Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$473,911Cash toward the purchase price.
Closing costs + prepaids$19,016Not just lender fees.
Before credits & paid funds$492,926The complete starting cash picture.
Estimated remaining funds due at closing
$492,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$473,910.75
Your down payment$473,910.75
Closing costs + prepaids$19,015.57
Total buyer cash needed$492,926.32
Remaining funds due$492,926.32
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,875.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$852.25
Initial HOA (3 months)$189.99
Prepaid interest, first (25 days)$1,389.89
Fees + prepaids$19,015.57
Your down payment is the seller’s equity. You take over the $375,089 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $492,926.32 is due at closing. Uses and sources reconcile at $868,015.57 each. Not a Closing Disclosure.