Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$411,524Cash toward the purchase price.
Closing costs + prepaids$18,892Not just lender fees.
Before credits & paid funds$430,416The complete starting cash picture.
Estimated remaining funds due at closing
$430,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$411,524.38
Your down payment$411,524.38
Closing costs + prepaids$18,891.93
Total buyer cash needed$430,416.31
Remaining funds due$430,416.31
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%)$7,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,937.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,997.50
Prepaid interest, first (24 days)$749.05
Fees + prepaids$18,891.93
Your down payment is the seller’s equity. You take over the $387,476 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $430,416.31 is due at closing. Uses and sources reconcile at $817,891.93 each. Not a Closing Disclosure.