Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$406,971Cash toward the purchase price.
Closing costs + prepaids$21,196Not just lender fees.
Before credits & paid funds$428,167The complete starting cash picture.
Estimated remaining funds due at closing
$428,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$406,970.56
Your down payment$406,970.56
Closing costs + prepaids$21,196.17
Total buyer cash needed$428,166.73
Remaining funds due$428,166.73
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%)$7,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,960.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,997.50
Initial HOA (3 months)$1,500.00
Prepaid interest, first (25 days)$1,530.53
Fees + prepaids$21,196.17
Your down payment is the seller’s equity. You take over the $392,029 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $428,166.73 is due at closing. Uses and sources reconcile at $820,196.17 each. Not a Closing Disclosure.