Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$421,718Cash toward the purchase price.
Closing costs + prepaids$19,923Not just lender fees.
Before credits & paid funds$441,641The complete starting cash picture.
Estimated remaining funds due at closing
$441,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$421,718.18
Your down payment$421,718.18
Closing costs + prepaids$19,922.97
Total buyer cash needed$441,641.15
Remaining funds due$441,641.15
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%)$8,449.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,116.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,112.50
Prepaid interest, first (28 days)$1,026.08
Fees + prepaids$19,922.97
Your down payment is the seller’s equity. You take over the $423,281 balance, so the rest of the $844,999 price is paid at closing. A second mortgage can cover part of it. $441,641.15 is due at closing. Uses and sources reconcile at $864,921.97 each. Not a Closing Disclosure.