Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$401,420Cash toward the purchase price.
Closing costs + prepaids$17,599Not just lender fees.
Before credits & paid funds$419,019The complete starting cash picture.
Estimated remaining funds due at closing
$419,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,419.92
Your down payment$401,419.92
Closing costs + prepaids$17,599.21
Total buyer cash needed$419,019.13
Remaining funds due$419,019.13
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%)$7,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,937.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$946.75
Initial HOA (3 months)$288.00
Prepaid interest, first (12 days)$318.56
Fees + prepaids$17,599.21
Your down payment is the seller’s equity. You take over the $387,580 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $419,019.13 is due at closing. Uses and sources reconcile at $806,599.21 each. Not a Closing Disclosure.