Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$420,598Cash toward the purchase price.
Closing costs + prepaids$20,553Not just lender fees.
Before credits & paid funds$441,151The complete starting cash picture.
Estimated remaining funds due at closing
$441,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$420,598.42
Your down payment$420,598.42
Closing costs + prepaids$20,552.92
Total buyer cash needed$441,151.33
Remaining funds due$441,151.33
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,146.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,124.75
Initial HOA (3 months)$687.00
Prepaid interest, first (26 days)$877.66
Fees + prepaids$20,552.92
Your down payment is the seller’s equity. You take over the $429,302 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $441,151.33 is due at closing. Uses and sources reconcile at $870,452.92 each. Not a Closing Disclosure.