Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$441,335Cash toward the purchase price.
Closing costs + prepaids$19,880Not just lender fees.
Before credits & paid funds$461,215The complete starting cash picture.
Estimated remaining funds due at closing
$461,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,334.93
Your down payment$441,334.93
Closing costs + prepaids$19,880.25
Total buyer cash needed$461,215.19
Remaining funds due$461,215.19
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%)$7,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,783.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,020.50
Initial HOA (3 months)$99.99
Prepaid interest, first (28 days)$1,778.44
Fees + prepaids$19,880.25
Your down payment is the seller’s equity. You take over the $356,665 balance, so the rest of the $798,000 price is paid at closing. A second mortgage can cover part of it. $461,215.19 is due at closing. Uses and sources reconcile at $817,880.25 each. Not a Closing Disclosure.