Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$421,107Cash toward the purchase price.
Closing costs + prepaids$17,385Not just lender fees.
Before credits & paid funds$438,491The complete starting cash picture.
Estimated remaining funds due at closing
$438,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$421,106.76
Your down payment$421,106.76
Closing costs + prepaids$17,384.71
Total buyer cash needed$438,491.47
Remaining funds due$438,491.47
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%)$7,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,819.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$590.00
Prepaid interest, first (26 days)$907.24
Fees + prepaids$17,384.71
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $438,491.47 is due at closing. Uses and sources reconcile at $802,384.71 each. Not a Closing Disclosure.