Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$439,493Cash toward the purchase price.
Closing costs + prepaids$17,981Not just lender fees.
Before credits & paid funds$457,475The complete starting cash picture.
Estimated remaining funds due at closing
$457,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$439,493.23
Your down payment$439,493.23
Closing costs + prepaids$17,981.38
Total buyer cash needed$457,474.61
Remaining funds due$457,474.61
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,927.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$778.50
Prepaid interest, first (28 days)$807.35
Fees + prepaids$17,981.38
Your down payment is the seller’s equity. You take over the $385,507 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $457,474.61 is due at closing. Uses and sources reconcile at $842,981.38 each. Not a Closing Disclosure.