Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$394,595Cash toward the purchase price.
Closing costs + prepaids$18,782Not just lender fees.
Before credits & paid funds$413,376The complete starting cash picture.
Estimated remaining funds due at closing
$413,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$394,594.80
Your down payment$394,594.80
Closing costs + prepaids$18,781.60
Total buyer cash needed$413,376.40
Remaining funds due$413,376.40
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%)$8,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,176.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,179.50
Initial HOA (3 months)$112.50
Prepaid interest, first (25 days)$796.07
Fees + prepaids$18,781.60
Your down payment is the seller’s equity. You take over the $435,305 balance, so the rest of the $829,900 price is paid at closing. A second mortgage can cover part of it. $413,376.40 is due at closing. Uses and sources reconcile at $848,681.60 each. Not a Closing Disclosure.