Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$435,738Cash toward the purchase price.
Closing costs + prepaids$18,400Not just lender fees.
Before credits & paid funds$454,138The complete starting cash picture.
Estimated remaining funds due at closing
$454,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$435,737.90
Your down payment$435,737.90
Closing costs + prepaids$18,399.87
Total buyer cash needed$454,137.77
Remaining funds due$454,137.77
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%)$8,497.75
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,070.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$708.50
Prepaid interest, first (26 days)$905.44
Fees + prepaids$18,399.87
Your down payment is the seller’s equity. You take over the $414,037 balance, so the rest of the $849,775 price is paid at closing. A second mortgage can cover part of it. $454,137.77 is due at closing. Uses and sources reconcile at $868,174.87 each. Not a Closing Disclosure.