Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$438,958Cash toward the purchase price.
Closing costs + prepaids$17,757Not just lender fees.
Before credits & paid funds$456,715The complete starting cash picture.
Estimated remaining funds due at closing
$456,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$438,958.19
Your down payment$438,958.19
Closing costs + prepaids$17,756.55
Total buyer cash needed$456,714.73
Remaining funds due$456,714.73
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%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,804.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$960.00
Initial HOA (3 months)$369.00
Prepaid interest, first (12 days)$405.84
Fees + prepaids$17,756.55
Your down payment is the seller’s equity. You take over the $360,942 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $456,714.73 is due at closing. Uses and sources reconcile at $817,656.55 each. Not a Closing Disclosure.