Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$414,690Cash toward the purchase price.
Closing costs + prepaids$19,823Not just lender fees.
Before credits & paid funds$434,513The complete starting cash picture.
Estimated remaining funds due at closing
$434,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$414,690.19
Your down payment$414,690.19
Closing costs + prepaids$19,822.89
Total buyer cash needed$434,513.08
Remaining funds due$434,513.08
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%)$8,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,321.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,094.50
Initial HOA (3 months)$24.99
Prepaid interest, first (25 days)$1,373.85
Fees + prepaids$19,822.89
Your down payment is the seller’s equity. You take over the $464,310 balance, so the rest of the $879,000 price is paid at closing. A second mortgage can cover part of it. $434,513.08 is due at closing. Uses and sources reconcile at $898,822.89 each. Not a Closing Disclosure.