Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$434,058Cash toward the purchase price.
Closing costs + prepaids$17,499Not just lender fees.
Before credits & paid funds$451,557The complete starting cash picture.
Estimated remaining funds due at closing
$451,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$434,058.19
Your down payment$434,058.19
Closing costs + prepaids$17,498.63
Total buyer cash needed$451,556.82
Remaining funds due$451,556.82
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%)$7,950.00
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)$954.00
Initial HOA (3 months)$369.00
Prepaid interest, first (6 days)$202.92
Fees + prepaids$17,498.63
Your down payment is the seller’s equity. You take over the $360,942 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $451,556.82 is due at closing. Uses and sources reconcile at $812,498.63 each. Not a Closing Disclosure.