Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$440,513Cash toward the purchase price.
Closing costs + prepaids$18,528Not just lender fees.
Before credits & paid funds$459,041The complete starting cash picture.
Estimated remaining funds due at closing
$459,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,513.18
Your down payment$440,513.18
Closing costs + prepaids$18,528.27
Total buyer cash needed$459,041.45
Remaining funds due$459,041.45
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%)$7,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,792.43
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,035.75
Initial HOA (3 months)$396.00
Prepaid interest, first (31 days)$1,096.09
Fees + prepaids$18,528.27
Your down payment is the seller’s equity. You take over the $358,487 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $459,041.45 is due at closing. Uses and sources reconcile at $817,528.27 each. Not a Closing Disclosure.