Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$385,116Cash toward the purchase price.
Closing costs + prepaids$19,974Not just lender fees.
Before credits & paid funds$405,089The complete starting cash picture.
Estimated remaining funds due at closing
$405,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,115.56
Your down payment$385,115.56
Closing costs + prepaids$19,973.84
Total buyer cash needed$405,089.40
Remaining funds due$405,089.40
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%)$8,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,269.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,097.50
Prepaid interest, first (29 days)$998.92
Fees + prepaids$19,973.84
Your down payment is the seller’s equity. You take over the $453,884 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $405,089.40 is due at closing. Uses and sources reconcile at $858,973.84 each. Not a Closing Disclosure.