Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$353,329Cash toward the purchase price.
Closing costs + prepaids$20,659Not just lender fees.
Before credits & paid funds$373,987The complete starting cash picture.
Estimated remaining funds due at closing
$373,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$353,328.50
Your down payment$353,328.50
Closing costs + prepaids$20,658.80
Total buyer cash needed$373,987.30
Remaining funds due$373,987.30
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,483.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,125.00
Prepaid interest, first (24 days)$1,332.44
Fees + prepaids$20,658.80
Your down payment is the seller’s equity. You take over the $496,671 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $373,987.30 is due at closing. Uses and sources reconcile at $870,658.80 each. Not a Closing Disclosure.