Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$365,953Cash toward the purchase price.
Closing costs + prepaids$20,540Not just lender fees.
Before credits & paid funds$386,493The complete starting cash picture.
Estimated remaining funds due at closing
$386,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,953.11
Your down payment$365,953.11
Closing costs + prepaids$20,539.60
Total buyer cash needed$386,492.71
Remaining funds due$386,492.71
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%)$2,165.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,436.25
Initial HOA (3 months)$1,695.00
Prepaid interest, first (1 days)$35.12
Fees + prepaids$20,539.60
Your down payment is the seller’s equity. You take over the $433,047 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $386,492.71 is due at closing. Uses and sources reconcile at $819,539.60 each. Not a Closing Disclosure.