Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$373,055Cash toward the purchase price.
Closing costs + prepaids$18,381Not just lender fees.
Before credits & paid funds$391,436The complete starting cash picture.
Estimated remaining funds due at closing
$391,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,055.09
Your down payment$373,055.09
Closing costs + prepaids$18,380.98
Total buyer cash needed$391,436.07
Remaining funds due$391,436.07
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%)$2,129.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,052.50
Prepaid interest, first (30 days)$990.76
Fees + prepaids$18,380.98
Your down payment is the seller’s equity. You take over the $425,945 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $391,436.07 is due at closing. Uses and sources reconcile at $817,380.98 each. Not a Closing Disclosure.