Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$397,990Cash toward the purchase price.
Closing costs + prepaids$22,741Not just lender fees.
Before credits & paid funds$420,731The complete starting cash picture.
Estimated remaining funds due at closing
$420,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$397,990.28
Your down payment$397,990.28
Closing costs + prepaids$22,740.50
Total buyer cash needed$420,730.78
Remaining funds due$420,730.78
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%)$8,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,205.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,097.50
Initial HOA (3 months)$1,785.00
Prepaid interest, first (25 days)$2,044.96
Fees + prepaids$22,740.50
Your down payment is the seller’s equity. You take over the $441,010 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $420,730.78 is due at closing. Uses and sources reconcile at $861,740.50 each. Not a Closing Disclosure.