Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$400,034Cash toward the purchase price.
Closing costs + prepaids$18,547Not just lender fees.
Before credits & paid funds$418,581The complete starting cash picture.
Estimated remaining funds due at closing
$418,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$400,033.55
Your down payment$400,033.55
Closing costs + prepaids$18,547.07
Total buyer cash needed$418,580.62
Remaining funds due$418,580.62
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%)$7,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,999.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,233.75
Initial HOA (3 months)$225.00
Prepaid interest, first (24 days)$870.50
Fees + prepaids$18,547.07
Your down payment is the seller’s equity. You take over the $399,965 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $418,580.62 is due at closing. Uses and sources reconcile at $818,546.07 each. Not a Closing Disclosure.