Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$398,315Cash toward the purchase price.
Closing costs + prepaids$18,574Not just lender fees.
Before credits & paid funds$416,889The complete starting cash picture.
Estimated remaining funds due at closing
$416,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,314.94
Your down payment$398,314.94
Closing costs + prepaids$18,573.77
Total buyer cash needed$416,888.72
Remaining funds due$416,888.72
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%)$2,257.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,020.00
Initial HOA (3 months)$177.99
Prepaid interest, first (12 days)$400.86
Fees + prepaids$18,573.77
Your down payment is the seller’s equity. You take over the $451,585 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $416,888.72 is due at closing. Uses and sources reconcile at $868,473.77 each. Not a Closing Disclosure.