Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$351,246Cash toward the purchase price.
Closing costs + prepaids$18,664Not just lender fees.
Before credits & paid funds$369,911The complete starting cash picture.
Estimated remaining funds due at closing
$369,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$351,246.46
Your down payment$351,246.46
Closing costs + prepaids$18,664.29
Total buyer cash needed$369,910.75
Remaining funds due$369,910.75
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%)$7,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,218.77
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,209.25
Initial HOA (3 months)$12.99
Prepaid interest, first (31 days)$1,055.28
Fees + prepaids$18,664.29
Your down payment is the seller’s equity. You take over the $443,754 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $369,910.75 is due at closing. Uses and sources reconcile at $813,664.29 each. Not a Closing Disclosure.