Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$356,654Cash toward the purchase price.
Closing costs + prepaids$20,133Not just lender fees.
Before credits & paid funds$376,787The complete starting cash picture.
Estimated remaining funds due at closing
$376,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,653.79
Your down payment$356,653.79
Closing costs + prepaids$20,132.73
Total buyer cash needed$376,786.53
Remaining funds due$376,786.53
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%)$8,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,386.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,947.75
Initial HOA (3 months)$300.99
Prepaid interest, first (27 days)$939.26
Fees + prepaids$20,132.73
Your down payment is the seller’s equity. You take over the $477,346 balance, so the rest of the $834,000 price is paid at closing. A second mortgage can cover part of it. $376,786.53 is due at closing. Uses and sources reconcile at $854,132.73 each. Not a Closing Disclosure.