Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$399,111Cash toward the purchase price.
Closing costs + prepaids$17,754Not just lender fees.
Before credits & paid funds$416,865The complete starting cash picture.
Estimated remaining funds due at closing
$416,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$399,110.95
Your down payment$399,110.95
Closing costs + prepaids$17,753.89
Total buyer cash needed$416,864.84
Remaining funds due$416,864.84
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%)$7,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,004.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,233.75
Initial HOA (3 months)$225.00
Prepaid interest, first (2 days)$72.71
Fees + prepaids$17,753.89
Your down payment is the seller’s equity. You take over the $400,888 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $416,864.84 is due at closing. Uses and sources reconcile at $817,752.89 each. Not a Closing Disclosure.