Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$353,520Cash toward the purchase price.
Closing costs + prepaids$18,847Not just lender fees.
Before credits & paid funds$372,367The complete starting cash picture.
Estimated remaining funds due at closing
$372,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$353,519.63
Your down payment$353,519.63
Closing costs + prepaids$18,847.12
Total buyer cash needed$372,366.75
Remaining funds due$372,366.75
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%)$8,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,507.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,026.00
Prepaid interest, first (12 days)$545.72
Fees + prepaids$18,847.12
Your down payment is the seller’s equity. You take over the $501,480 balance, so the rest of the $855,000 price is paid at closing. A second mortgage can cover part of it. $372,366.75 is due at closing. Uses and sources reconcile at $873,847.12 each. Not a Closing Disclosure.