Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$403,193Cash toward the purchase price.
Closing costs + prepaids$17,951Not just lender fees.
Before credits & paid funds$421,143The complete starting cash picture.
Estimated remaining funds due at closing
$421,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$403,192.68
Your down payment$403,192.68
Closing costs + prepaids$17,950.82
Total buyer cash needed$421,143.49
Remaining funds due$421,143.49
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%)$7,998.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,983.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$894.50
Initial HOA (3 months)$123.00
Prepaid interest, first (24 days)$732.96
Fees + prepaids$17,950.82
Your down payment is the seller’s equity. You take over the $396,695 balance, so the rest of the $799,888 price is paid at closing. A second mortgage can cover part of it. $421,143.49 is due at closing. Uses and sources reconcile at $817,838.82 each. Not a Closing Disclosure.