Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$361,812Cash toward the purchase price.
Closing costs + prepaids$20,641Not just lender fees.
Before credits & paid funds$382,453The complete starting cash picture.
Estimated remaining funds due at closing
$382,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$361,812.40
Your down payment$361,812.40
Closing costs + prepaids$20,640.68
Total buyer cash needed$382,453.08
Remaining funds due$382,453.08
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%)$8,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,535.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,172.50
Prepaid interest, first (27 days)$1,024.24
Fees + prepaids$20,640.68
Your down payment is the seller’s equity. You take over the $507,188 balance, so the rest of the $869,000 price is paid at closing. A second mortgage can cover part of it. $382,453.08 is due at closing. Uses and sources reconcile at $889,640.68 each. Not a Closing Disclosure.