Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$376,416Cash toward the purchase price.
Closing costs + prepaids$20,335Not just lender fees.
Before credits & paid funds$396,751The complete starting cash picture.
Estimated remaining funds due at closing
$396,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$376,415.75
Your down payment$376,415.75
Closing costs + prepaids$20,335.19
Total buyer cash needed$396,750.93
Remaining funds due$396,750.93
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%)$2,317.92
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)$279.00
Prepaid interest, first (29 days)$1,020.27
Fees + prepaids$20,335.19
Your down payment is the seller’s equity. You take over the $463,584 balance, so the rest of the $840,000 price is paid at closing. A second mortgage can cover part of it. $396,750.93 is due at closing. Uses and sources reconcile at $860,335.19 each. Not a Closing Disclosure.