Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$321,964Cash toward the purchase price.
Closing costs + prepaids$20,033Not just lender fees.
Before credits & paid funds$341,997The complete starting cash picture.
Estimated remaining funds due at closing
$341,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,964.23
Your down payment$321,964.23
Closing costs + prepaids$20,033.18
Total buyer cash needed$341,997.41
Remaining funds due$341,997.41
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%)$7,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,340.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,210.25
Initial HOA (3 months)$536.01
Prepaid interest, first (23 days)$828.74
Fees + prepaids$20,033.18
Your down payment is the seller’s equity. You take over the $468,036 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $341,997.41 is due at closing. Uses and sources reconcile at $810,033.18 each. Not a Closing Disclosure.