Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$384,595Cash toward the purchase price.
Closing costs + prepaids$18,713Not just lender fees.
Before credits & paid funds$403,308The complete starting cash picture.
Estimated remaining funds due at closing
$403,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$384,594.80
Your down payment$384,594.80
Closing costs + prepaids$18,713.44
Total buyer cash needed$403,308.24
Remaining funds due$403,308.24
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%)$8,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,176.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,179.50
Initial HOA (3 months)$112.50
Prepaid interest, first (26 days)$827.91
Fees + prepaids$18,713.44
Your down payment is the seller’s equity. You take over the $435,305 balance, so the rest of the $819,900 price is paid at closing. A second mortgage can cover part of it. $403,308.24 is due at closing. Uses and sources reconcile at $838,613.44 each. Not a Closing Disclosure.