Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$402,322Cash toward the purchase price.
Closing costs + prepaids$19,107Not just lender fees.
Before credits & paid funds$421,429The complete starting cash picture.
Estimated remaining funds due at closing
$421,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$402,321.57
Your down payment$402,321.57
Closing costs + prepaids$19,106.94
Total buyer cash needed$421,428.51
Remaining funds due$421,428.51
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%)$1,963.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,987.50
Prepaid interest, first (28 days)$988.04
Fees + prepaids$19,106.94
Your down payment is the seller’s equity. You take over the $392,678 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $421,428.51 is due at closing. Uses and sources reconcile at $814,106.94 each. Not a Closing Disclosure.