Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$395,521Cash toward the purchase price.
Closing costs + prepaids$20,691Not just lender fees.
Before credits & paid funds$416,212The complete starting cash picture.
Estimated remaining funds due at closing
$416,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$395,521.16
Your down payment$395,521.16
Closing costs + prepaids$20,691.02
Total buyer cash needed$416,212.18
Remaining funds due$416,212.18
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%)$8,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,272.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,125.00
Initial HOA (3 months)$585.00
Prepaid interest, first (26 days)$990.64
Fees + prepaids$20,691.02
Your down payment is the seller’s equity. You take over the $454,478 balance, so the rest of the $849,999 price is paid at closing. A second mortgage can cover part of it. $416,212.18 is due at closing. Uses and sources reconcile at $870,690.02 each. Not a Closing Disclosure.