Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$440,001Cash toward the purchase price.
Closing costs + prepaids$19,958Not just lender fees.
Before credits & paid funds$459,958The complete starting cash picture.
Estimated remaining funds due at closing
$459,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,000.63
Your down payment$440,000.63
Closing costs + prepaids$19,957.61
Total buyer cash needed$459,958.23
Remaining funds due$459,958.23
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,045.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,122.50
Prepaid interest, first (29 days)$1,082.11
Fees + prepaids$19,957.61
Your down payment is the seller’s equity. You take over the $408,999 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $459,958.23 is due at closing. Uses and sources reconcile at $868,957.61 each. Not a Closing Disclosure.