Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$354,991Cash toward the purchase price.
Closing costs + prepaids$21,414Not just lender fees.
Before credits & paid funds$376,405The complete starting cash picture.
Estimated remaining funds due at closing
$376,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$354,990.97
Your down payment$354,990.97
Closing costs + prepaids$21,413.63
Total buyer cash needed$376,404.59
Remaining funds due$376,404.59
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%)$8,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,375.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,075.00
Prepaid interest, first (27 days)$2,445.58
Fees + prepaids$21,413.63
Your down payment is the seller’s equity. You take over the $475,009 balance, so the rest of the $830,000 price is paid at closing. A second mortgage can cover part of it. $376,404.59 is due at closing. Uses and sources reconcile at $851,413.63 each. Not a Closing Disclosure.