Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$430,513Cash toward the purchase price.
Closing costs + prepaids$18,075Not just lender fees.
Before credits & paid funds$448,588The complete starting cash picture.
Estimated remaining funds due at closing
$448,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,513.18
Your down payment$430,513.18
Closing costs + prepaids$18,074.69
Total buyer cash needed$448,587.88
Remaining funds due$448,587.88
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%)$1,792.43
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 (21 days)$742.51
Fees + prepaids$18,074.69
Your down payment is the seller’s equity. You take over the $358,487 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $448,587.88 is due at closing. Uses and sources reconcile at $807,074.69 each. Not a Closing Disclosure.