Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$420,032Cash toward the purchase price.
Closing costs + prepaids$17,392Not just lender fees.
Before credits & paid funds$437,424The complete starting cash picture.
Estimated remaining funds due at closing
$437,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$420,031.61
Your down payment$420,031.61
Closing costs + prepaids$17,392.39
Total buyer cash needed$437,424.00
Remaining funds due$437,424.00
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%)$7,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,849.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,223.00
Initial HOA (3 months)$137.49
Prepaid interest, first (2 days)$64.06
Fees + prepaids$17,392.39
Your down payment is the seller’s equity. You take over the $369,968 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $437,424.00 is due at closing. Uses and sources reconcile at $807,392.39 each. Not a Closing Disclosure.