Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$428,255Cash toward the purchase price.
Closing costs + prepaids$22,075Not just lender fees.
Before credits & paid funds$450,330The complete starting cash picture.
Estimated remaining funds due at closing
$450,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,255.08
Your down payment$428,255.08
Closing costs + prepaids$22,075.04
Total buyer cash needed$450,330.13
Remaining funds due$450,330.13
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%)$2,103.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,076.75
Initial HOA (3 months)$249.99
Prepaid interest, first (25 days)$1,936.58
Fees + prepaids$22,075.04
Your down payment is the seller’s equity. You take over the $420,745 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $450,330.13 is due at closing. Uses and sources reconcile at $871,075.04 each. Not a Closing Disclosure.