Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$399,637Cash toward the purchase price.
Closing costs + prepaids$18,230Not just lender fees.
Before credits & paid funds$417,868The complete starting cash picture.
Estimated remaining funds due at closing
$417,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$399,637.25
Your down payment$399,637.25
Closing costs + prepaids$18,230.46
Total buyer cash needed$417,867.71
Remaining funds due$417,867.71
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%)$8,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,196.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,006.75
Prepaid interest, first (12 days)$418.90
Fees + prepaids$18,230.46
Your down payment is the seller’s equity. You take over the $439,363 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $417,867.71 is due at closing. Uses and sources reconcile at $857,230.46 each. Not a Closing Disclosure.