Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$418,361Cash toward the purchase price.
Closing costs + prepaids$17,276Not just lender fees.
Before credits & paid funds$435,637The complete starting cash picture.
Estimated remaining funds due at closing
$435,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$418,360.93
Your down payment$418,360.93
Closing costs + prepaids$17,275.94
Total buyer cash needed$435,636.88
Remaining funds due$435,636.88
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%)$1,853.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$946.75
Prepaid interest, first (12 days)$368.00
Fees + prepaids$17,275.94
Your down payment is the seller’s equity. You take over the $370,639 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $435,636.88 is due at closing. Uses and sources reconcile at $806,275.94 each. Not a Closing Disclosure.