Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$379,084Cash toward the purchase price.
Closing costs + prepaids$19,503Not just lender fees.
Before credits & paid funds$398,587The complete starting cash picture.
Estimated remaining funds due at closing
$398,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,083.55
Your down payment$379,083.55
Closing costs + prepaids$19,503.12
Total buyer cash needed$398,586.67
Remaining funds due$398,586.67
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%)$2,079.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,673.00
Initial HOA (3 months)$825.00
Prepaid interest, first (24 days)$757.54
Fees + prepaids$19,503.12
Your down payment is the seller’s equity. You take over the $415,916 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $398,586.67 is due at closing. Uses and sources reconcile at $814,503.12 each. Not a Closing Disclosure.