Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$452,653Cash toward the purchase price.
Closing costs + prepaids$17,708Not just lender fees.
Before credits & paid funds$470,361The complete starting cash picture.
Estimated remaining funds due at closing
$470,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$452,652.82
Your down payment$452,652.82
Closing costs + prepaids$17,708.12
Total buyer cash needed$470,360.94
Remaining funds due$470,360.94
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%)$8,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,861.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$990.00
Initial HOA (3 months)$57.00
Prepaid interest, first (12 days)$332.88
Fees + prepaids$17,708.12
Your down payment is the seller’s equity. You take over the $372,247 balance, so the rest of the $824,900 price is paid at closing. A second mortgage can cover part of it. $470,360.94 is due at closing. Uses and sources reconcile at $842,608.12 each. Not a Closing Disclosure.