Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$444,289Cash toward the purchase price.
Closing costs + prepaids$18,290Not just lender fees.
Before credits & paid funds$462,579The complete starting cash picture.
Estimated remaining funds due at closing
$462,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$444,288.96
Your down payment$444,288.96
Closing costs + prepaids$18,290.29
Total buyer cash needed$462,579.25
Remaining funds due$462,579.25
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%)$1,928.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$889.00
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$879.74
Fees + prepaids$18,290.29
Your down payment is the seller’s equity. You take over the $385,711 balance, so the rest of the $830,000 price is paid at closing. A second mortgage can cover part of it. $462,579.25 is due at closing. Uses and sources reconcile at $848,290.29 each. Not a Closing Disclosure.