Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$327,576Cash toward the purchase price.
Closing costs + prepaids$18,134Not just lender fees.
Before credits & paid funds$345,710The complete starting cash picture.
Estimated remaining funds due at closing
$345,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,575.92
Your down payment$327,575.92
Closing costs + prepaids$18,134.08
Total buyer cash needed$345,710.00
Remaining funds due$345,710.00
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%)$2,357.12
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 (1 days)$37.20
Fees + prepaids$18,134.08
Your down payment is the seller’s equity. You take over the $471,424 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $345,710.00 is due at closing. Uses and sources reconcile at $817,134.08 each. Not a Closing Disclosure.