Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$488,800Cash toward the purchase price.
Closing costs + prepaids$18,280Not just lender fees.
Before credits & paid funds$507,081The complete starting cash picture.
Estimated remaining funds due at closing
$507,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$488,800.28
Your down payment$488,800.28
Closing costs + prepaids$18,280.44
Total buyer cash needed$507,080.71
Remaining funds due$507,080.71
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,805.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,030.00
Prepaid interest, first (26 days)$727.94
Fees + prepaids$18,280.44
Your down payment is the seller’s equity. You take over the $361,100 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $507,080.71 is due at closing. Uses and sources reconcile at $868,180.44 each. Not a Closing Disclosure.