Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$359,705Cash toward the purchase price.
Closing costs + prepaids$20,223Not just lender fees.
Before credits & paid funds$379,928The complete starting cash picture.
Estimated remaining funds due at closing
$379,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,705.33
Your down payment$359,705.33
Closing costs + prepaids$20,222.85
Total buyer cash needed$379,928.18
Remaining funds due$379,928.18
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,446.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,122.50
Prepaid interest, first (24 days)$945.88
Fees + prepaids$20,222.85
Your down payment is the seller’s equity. You take over the $489,295 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $379,928.18 is due at closing. Uses and sources reconcile at $869,222.85 each. Not a Closing Disclosure.