Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$388,637Cash toward the purchase price.
Closing costs + prepaids$18,633Not just lender fees.
Before credits & paid funds$407,270The complete starting cash picture.
Estimated remaining funds due at closing
$407,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$388,636.60
Your down payment$388,636.60
Closing costs + prepaids$18,632.92
Total buyer cash needed$407,269.52
Remaining funds due$407,269.52
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%)$7,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,031.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,426.25
Initial HOA (3 months)$75.00
Prepaid interest, first (27 days)$931.85
Fees + prepaids$18,632.92
Your down payment is the seller’s equity. You take over the $406,363 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $407,269.52 is due at closing. Uses and sources reconcile at $813,632.92 each. Not a Closing Disclosure.