Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$437,899Cash toward the purchase price.
Closing costs + prepaids$17,317Not just lender fees.
Before credits & paid funds$455,216The complete starting cash picture.
Estimated remaining funds due at closing
$455,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$437,899.20
Your down payment$437,899.20
Closing costs + prepaids$17,316.67
Total buyer cash needed$455,215.88
Remaining funds due$455,215.88
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%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$886.75
Initial HOA (3 months)$369.00
Prepaid interest, first (1 days)$33.92
Fees + prepaids$17,316.67
Your down payment is the seller’s equity. You take over the $362,001 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $455,215.88 is due at closing. Uses and sources reconcile at $817,216.67 each. Not a Closing Disclosure.