Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$369,166Cash toward the purchase price.
Closing costs + prepaids$18,321Not just lender fees.
Before credits & paid funds$387,486The complete starting cash picture.
Estimated remaining funds due at closing
$387,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$369,165.59
Your down payment$369,165.59
Closing costs + prepaids$18,320.85
Total buyer cash needed$387,486.43
Remaining funds due$387,486.43
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%)$2,149.17
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,039.00
Prepaid interest, first (26 days)$924.67
Fees + prepaids$18,320.85
Your down payment is the seller’s equity. You take over the $429,834 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $387,486.43 is due at closing. Uses and sources reconcile at $817,320.85 each. Not a Closing Disclosure.