Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$396,083Cash toward the purchase price.
Closing costs + prepaids$21,394Not just lender fees.
Before credits & paid funds$417,477The complete starting cash picture.
Estimated remaining funds due at closing
$417,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$396,082.75
Your down payment$396,082.75
Closing costs + prepaids$21,393.95
Total buyer cash needed$417,476.71
Remaining funds due$417,476.71
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%)$8,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,194.59
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,204.75
Initial HOA (3 months)$264.99
Prepaid interest, first (28 days)$1,161.63
Fees + prepaids$21,393.95
Your down payment is the seller’s equity. You take over the $438,917 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $417,476.71 is due at closing. Uses and sources reconcile at $856,393.95 each. Not a Closing Disclosure.