Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$397,952Cash toward the purchase price.
Closing costs + prepaids$18,092Not just lender fees.
Before credits & paid funds$416,044The complete starting cash picture.
Estimated remaining funds due at closing
$416,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$397,951.51
Your down payment$397,951.51
Closing costs + prepaids$18,092.28
Total buyer cash needed$416,043.78
Remaining funds due$416,043.78
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%)$8,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,160.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$461.25
Initial HOA (3 months)$163.26
Prepaid interest, first (23 days)$789.52
Fees + prepaids$18,092.28
Your down payment is the seller’s equity. You take over the $432,048 balance, so the rest of the $830,000 price is paid at closing. A second mortgage can cover part of it. $416,043.78 is due at closing. Uses and sources reconcile at $848,092.28 each. Not a Closing Disclosure.