Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$385,006Cash toward the purchase price.
Closing costs + prepaids$17,920Not just lender fees.
Before credits & paid funds$402,926The complete starting cash picture.
Estimated remaining funds due at closing
$402,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,006.34
Your down payment$385,006.34
Closing costs + prepaids$17,919.70
Total buyer cash needed$402,926.04
Remaining funds due$402,926.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,985.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,067.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$798.00
Prepaid interest, first (26 days)$851.23
Fees + prepaids$17,919.70
Your down payment is the seller’s equity. You take over the $413,494 balance, so the rest of the $798,500 price is paid at closing. A second mortgage can cover part of it. $402,926.04 is due at closing. Uses and sources reconcile at $816,419.70 each. Not a Closing Disclosure.