Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$454,480Cash toward the purchase price.
Closing costs + prepaids$17,664Not just lender fees.
Before credits & paid funds$472,143The complete starting cash picture.
Estimated remaining funds due at closing
$472,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$454,479.62
Your down payment$454,479.62
Closing costs + prepaids$17,663.87
Total buyer cash needed$472,143.48
Remaining funds due$472,143.48
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,852.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$990.00
Prepaid interest, first (12 days)$353.26
Fees + prepaids$17,663.87
Your down payment is the seller’s equity. You take over the $370,520 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $472,143.48 is due at closing. Uses and sources reconcile at $842,663.87 each. Not a Closing Disclosure.