Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$420,201Cash toward the purchase price.
Closing costs + prepaids$18,332Not just lender fees.
Before credits & paid funds$438,532The complete starting cash picture.
Estimated remaining funds due at closing
$438,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$420,200.64
Your down payment$420,200.64
Closing costs + prepaids$18,331.75
Total buyer cash needed$438,532.39
Remaining funds due$438,532.39
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%)$1,874.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,580.00
Prepaid interest, first (24 days)$709.76
Fees + prepaids$18,331.75
Your down payment is the seller’s equity. You take over the $374,799 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $438,532.39 is due at closing. Uses and sources reconcile at $813,331.75 each. Not a Closing Disclosure.