Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$430,626Cash toward the purchase price.
Closing costs + prepaids$22,841Not just lender fees.
Before credits & paid funds$453,468The complete starting cash picture.
Estimated remaining funds due at closing
$453,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,626.35
Your down payment$430,626.35
Closing costs + prepaids$22,841.39
Total buyer cash needed$453,467.74
Remaining funds due$453,467.74
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%)$1,821.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,987.50
Initial HOA (3 months)$3,831.00
Prepaid interest, first (26 days)$1,033.02
Fees + prepaids$22,841.39
Your down payment is the seller’s equity. You take over the $364,374 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $453,467.74 is due at closing. Uses and sources reconcile at $817,841.39 each. Not a Closing Disclosure.