Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$378,044Cash toward the purchase price.
Closing costs + prepaids$20,131Not just lender fees.
Before credits & paid funds$398,174The complete starting cash picture.
Estimated remaining funds due at closing
$398,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$378,043.79
Your down payment$378,043.79
Closing costs + prepaids$20,130.53
Total buyer cash needed$398,174.32
Remaining funds due$398,174.32
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,359.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,125.00
Prepaid interest, first (25 days)$927.75
Fees + prepaids$20,130.53
Your down payment is the seller’s equity. You take over the $471,956 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $398,174.32 is due at closing. Uses and sources reconcile at $870,130.53 each. Not a Closing Disclosure.