Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$453,481Cash toward the purchase price.
Closing costs + prepaids$19,528Not just lender fees.
Before credits & paid funds$473,009The complete starting cash picture.
Estimated remaining funds due at closing
$473,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$453,480.95
Your down payment$453,480.95
Closing costs + prepaids$19,527.96
Total buyer cash needed$473,008.91
Remaining funds due$473,008.91
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%)$8,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,932.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,100.00
Initial HOA (3 months)$120.00
Prepaid interest, first (24 days)$757.37
Fees + prepaids$19,527.96
Your down payment is the seller’s equity. You take over the $386,519 balance, so the rest of the $840,000 price is paid at closing. A second mortgage can cover part of it. $473,008.91 is due at closing. Uses and sources reconcile at $859,527.96 each. Not a Closing Disclosure.