Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$472,023Cash toward the purchase price.
Closing costs + prepaids$19,361Not just lender fees.
Before credits & paid funds$491,383The complete starting cash picture.
Estimated remaining funds due at closing
$491,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$472,022.53
Your down payment$472,022.53
Closing costs + prepaids$19,360.85
Total buyer cash needed$491,383.39
Remaining funds due$491,383.39
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%)$1,814.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,271.50
Prepaid interest, first (24 days)$706.46
Fees + prepaids$19,360.85
Your down payment is the seller’s equity. You take over the $362,977 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $491,383.39 is due at closing. Uses and sources reconcile at $854,360.85 each. Not a Closing Disclosure.