Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$466,268Cash toward the purchase price.
Closing costs + prepaids$19,445Not just lender fees.
Before credits & paid funds$485,713The complete starting cash picture.
Estimated remaining funds due at closing
$485,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$466,267.98
Your down payment$466,267.98
Closing costs + prepaids$19,445.31
Total buyer cash needed$485,713.29
Remaining funds due$485,713.29
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%)$8,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,868.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,492.00
Initial HOA (3 months)$660.00
Prepaid interest, first (26 days)$806.65
Fees + prepaids$19,445.31
Your down payment is the seller’s equity. You take over the $373,732 balance, so the rest of the $840,000 price is paid at closing. A second mortgage can cover part of it. $485,713.29 is due at closing. Uses and sources reconcile at $859,445.31 each. Not a Closing Disclosure.