Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$408,503Cash toward the purchase price.
Closing costs + prepaids$19,638Not just lender fees.
Before credits & paid funds$428,141The complete starting cash picture.
Estimated remaining funds due at closing
$428,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$408,503.19
Your down payment$408,503.19
Closing costs + prepaids$19,637.76
Total buyer cash needed$428,140.95
Remaining funds due$428,140.95
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%)$8,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,327.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$768.75
Initial HOA (3 months)$750.99
Prepaid interest, first (24 days)$832.54
Fees + prepaids$19,637.76
Your down payment is the seller’s equity. You take over the $465,497 balance, so the rest of the $874,000 price is paid at closing. A second mortgage can cover part of it. $428,140.95 is due at closing. Uses and sources reconcile at $893,637.76 each. Not a Closing Disclosure.