Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$461,797Cash toward the purchase price.
Closing costs + prepaids$20,216Not just lender fees.
Before credits & paid funds$482,013The complete starting cash picture.
Estimated remaining funds due at closing
$482,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$461,796.98
Your down payment$461,796.98
Closing costs + prepaids$20,216.35
Total buyer cash needed$482,013.34
Remaining funds due$482,013.34
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%)$8,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,065.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,121.50
Initial HOA (3 months)$156.00
Prepaid interest, first (22 days)$906.34
Fees + prepaids$20,216.35
Your down payment is the seller’s equity. You take over the $413,103 balance, so the rest of the $874,900 price is paid at closing. A second mortgage can cover part of it. $482,013.34 is due at closing. Uses and sources reconcile at $895,116.35 each. Not a Closing Disclosure.