Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$442,649Cash toward the purchase price.
Closing costs + prepaids$19,099Not just lender fees.
Before credits & paid funds$461,748The complete starting cash picture.
Estimated remaining funds due at closing
$461,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$442,649.43
Your down payment$442,649.43
Closing costs + prepaids$19,098.76
Total buyer cash needed$461,748.19
Remaining funds due$461,748.19
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%)$8,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,986.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,584.75
Initial HOA (3 months)$59.01
Prepaid interest, first (26 days)$851.75
Fees + prepaids$19,098.76
Your down payment is the seller’s equity. You take over the $397,251 balance, so the rest of the $839,900 price is paid at closing. A second mortgage can cover part of it. $461,748.19 is due at closing. Uses and sources reconcile at $858,998.76 each. Not a Closing Disclosure.