Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$469,519Cash toward the purchase price.
Closing costs + prepaids$19,337Not just lender fees.
Before credits & paid funds$488,856The complete starting cash picture.
Estimated remaining funds due at closing
$488,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$469,518.96
Your down payment$469,518.96
Closing costs + prepaids$19,337.40
Total buyer cash needed$488,856.36
Remaining funds due$488,856.36
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%)$1,802.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,075.00
Initial HOA (3 months)$120.00
Prepaid interest, first (29 days)$822.00
Fees + prepaids$19,337.40
Your down payment is the seller’s equity. You take over the $360,481 balance, so the rest of the $830,000 price is paid at closing. A second mortgage can cover part of it. $488,856.36 is due at closing. Uses and sources reconcile at $849,337.40 each. Not a Closing Disclosure.