Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$452,913Cash toward the purchase price.
Closing costs + prepaids$16,455Not just lender fees.
Before credits & paid funds$469,368The complete starting cash picture.
Estimated remaining funds due at closing
$469,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$452,912.50
Your down payment$452,912.50
Closing costs + prepaids$16,455.34
Total buyer cash needed$469,367.84
Remaining funds due$469,367.84
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%)$1,710.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$550.00
Prepaid interest, first (1 days)$26.90
Fees + prepaids$16,455.34
Your down payment is the seller’s equity. You take over the $342,087 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $469,367.84 is due at closing. Uses and sources reconcile at $811,455.34 each. Not a Closing Disclosure.