Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$341,494Cash toward the purchase price.
Closing costs + prepaids$19,909Not just lender fees.
Before credits & paid funds$361,403The complete starting cash picture.
Estimated remaining funds due at closing
$361,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,494.09
Your down payment$341,494.09
Closing costs + prepaids$19,908.59
Total buyer cash needed$361,402.68
Remaining funds due$361,402.68
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%)$7,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,292.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,000.00
Initial HOA (3 months)$411.00
Prepaid interest, first (29 days)$987.21
Fees + prepaids$19,908.59
Your down payment is the seller’s equity. You take over the $458,496 balance, so the rest of the $799,990 price is paid at closing. A second mortgage can cover part of it. $361,402.68 is due at closing. Uses and sources reconcile at $819,898.59 each. Not a Closing Disclosure.