Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$397,858Cash toward the purchase price.
Closing costs + prepaids$19,538Not just lender fees.
Before credits & paid funds$417,396The complete starting cash picture.
Estimated remaining funds due at closing
$417,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$397,857.81
Your down payment$397,857.81
Closing costs + prepaids$19,538.19
Total buyer cash needed$417,396.00
Remaining funds due$417,396.00
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%)$8,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,110.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,050.00
Initial HOA (3 months)$99.00
Prepaid interest, first (24 days)$860.48
Fees + prepaids$19,538.19
Your down payment is the seller’s equity. You take over the $422,142 balance, so the rest of the $820,000 price is paid at closing. A second mortgage can cover part of it. $417,396.00 is due at closing. Uses and sources reconcile at $839,538.19 each. Not a Closing Disclosure.