Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$378,801Cash toward the purchase price.
Closing costs + prepaids$18,863Not just lender fees.
Before credits & paid funds$397,664The complete starting cash picture.
Estimated remaining funds due at closing
$397,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$378,800.53
Your down payment$378,800.53
Closing costs + prepaids$18,863.27
Total buyer cash needed$397,663.79
Remaining funds due$397,663.79
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%)$8,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,256.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,008.75
Initial HOA (3 months)$87.51
Prepaid interest, first (29 days)$993.01
Fees + prepaids$18,863.27
Your down payment is the seller’s equity. You take over the $451,199 balance, so the rest of the $830,000 price is paid at closing. A second mortgage can cover part of it. $397,663.79 is due at closing. Uses and sources reconcile at $848,863.27 each. Not a Closing Disclosure.