Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$435,841Cash toward the purchase price.
Closing costs + prepaids$16,980Not just lender fees.
Before credits & paid funds$452,821The complete starting cash picture.
Estimated remaining funds due at closing
$452,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$435,841.08
Your down payment$435,841.08
Closing costs + prepaids$16,979.84
Total buyer cash needed$452,820.92
Remaining funds due$452,820.92
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%)$7,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,720.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$936.00
Prepaid interest, first (12 days)$306.54
Fees + prepaids$16,979.84
Your down payment is the seller’s equity. You take over the $344,059 balance, so the rest of the $779,900 price is paid at closing. A second mortgage can cover part of it. $452,820.92 is due at closing. Uses and sources reconcile at $796,879.84 each. Not a Closing Disclosure.