Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$462,707Cash toward the purchase price.
Closing costs + prepaids$19,037Not just lender fees.
Before credits & paid funds$481,744The complete starting cash picture.
Estimated remaining funds due at closing
$481,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$462,707.32
Your down payment$462,707.32
Closing costs + prepaids$19,036.79
Total buyer cash needed$481,744.11
Remaining funds due$481,744.11
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%)$8,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,786.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,050.00
Prepaid interest, first (27 days)$782.32
Fees + prepaids$19,036.79
Your down payment is the seller’s equity. You take over the $357,293 balance, so the rest of the $820,000 price is paid at closing. A second mortgage can cover part of it. $481,744.11 is due at closing. Uses and sources reconcile at $839,036.79 each. Not a Closing Disclosure.