Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$420,859Cash toward the purchase price.
Closing costs + prepaids$17,499Not just lender fees.
Before credits & paid funds$438,358The complete starting cash picture.
Estimated remaining funds due at closing
$438,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$420,858.64
Your down payment$420,858.64
Closing costs + prepaids$17,499.30
Total buyer cash needed$438,357.94
Remaining funds due$438,357.94
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%)$7,895.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,843.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,345.00
Initial HOA (3 months)$137.49
Prepaid interest, first (2 days)$60.60
Fees + prepaids$17,499.30
Your down payment is the seller’s equity. You take over the $368,641 balance, so the rest of the $789,500 price is paid at closing. A second mortgage can cover part of it. $438,357.94 is due at closing. Uses and sources reconcile at $806,999.30 each. Not a Closing Disclosure.