Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$468,075Cash toward the purchase price.
Closing costs + prepaids$18,930Not just lender fees.
Before credits & paid funds$487,005The complete starting cash picture.
Estimated remaining funds due at closing
$487,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$468,074.76
Your down payment$468,074.76
Closing costs + prepaids$18,930.44
Total buyer cash needed$487,005.20
Remaining funds due$487,005.20
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%)$1,834.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,472.00
Initial HOA (3 months)$309.00
Prepaid interest, first (23 days)$746.82
Fees + prepaids$18,930.44
Your down payment is the seller’s equity. You take over the $366,925 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $487,005.20 is due at closing. Uses and sources reconcile at $853,930.44 each. Not a Closing Disclosure.