Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$424,899Cash toward the purchase price.
Closing costs + prepaids$20,425Not just lender fees.
Before credits & paid funds$445,323The complete starting cash picture.
Estimated remaining funds due at closing
$445,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$424,898.59
Your down payment$424,898.59
Closing costs + prepaids$20,424.69
Total buyer cash needed$445,323.28
Remaining funds due$445,323.28
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%)$8,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,300.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,212.50
Prepaid interest, first (23 days)$843.69
Fees + prepaids$20,424.69
Your down payment is the seller’s equity. You take over the $460,101 balance, so the rest of the $885,000 price is paid at closing. A second mortgage can cover part of it. $445,323.28 is due at closing. Uses and sources reconcile at $905,424.69 each. Not a Closing Disclosure.