Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$430,799Cash toward the purchase price.
Closing costs + prepaids$18,610Not just lender fees.
Before credits & paid funds$449,409The complete starting cash picture.
Estimated remaining funds due at closing
$449,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,799.11
Your down payment$430,799.11
Closing costs + prepaids$18,610.03
Total buyer cash needed$449,409.14
Remaining funds due$449,409.14
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%)$7,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,741.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,947.50
Prepaid interest, first (24 days)$913.53
Fees + prepaids$18,610.03
Your down payment is the seller’s equity. You take over the $348,201 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $449,409.14 is due at closing. Uses and sources reconcile at $797,610.03 each. Not a Closing Disclosure.