Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$357,495Cash toward the purchase price.
Closing costs + prepaids$17,440Not just lender fees.
Before credits & paid funds$374,934The complete starting cash picture.
Estimated remaining funds due at closing
$374,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,494.56
Your down payment$357,494.56
Closing costs + prepaids$17,439.65
Total buyer cash needed$374,934.21
Remaining funds due$374,934.21
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%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,212.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$159.75
Prepaid interest, first (26 days)$850.87
Fees + prepaids$17,439.65
Your down payment is the seller’s equity. You take over the $442,405 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $374,934.21 is due at closing. Uses and sources reconcile at $817,339.65 each. Not a Closing Disclosure.