Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$328,719Cash toward the purchase price.
Closing costs + prepaids$19,241Not just lender fees.
Before credits & paid funds$347,961The complete starting cash picture.
Estimated remaining funds due at closing
$347,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,719.14
Your down payment$328,719.14
Closing costs + prepaids$19,241.48
Total buyer cash needed$347,960.62
Remaining funds due$347,960.62
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%)$2,351.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,010.75
Initial HOA (3 months)$521.01
Prepaid interest, first (31 days)$1,150.32
Fees + prepaids$19,241.48
Your down payment is the seller’s equity. You take over the $470,281 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $347,960.62 is due at closing. Uses and sources reconcile at $818,241.48 each. Not a Closing Disclosure.