Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$404,694Cash toward the purchase price.
Closing costs + prepaids$18,670Not just lender fees.
Before credits & paid funds$423,364The complete starting cash picture.
Estimated remaining funds due at closing
$423,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$404,693.93
Your down payment$404,693.93
Closing costs + prepaids$18,669.98
Total buyer cash needed$423,363.91
Remaining funds due$423,363.91
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%)$2,101.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$980.25
Initial HOA (3 months)$228.00
Prepaid interest, first (26 days)$892.20
Fees + prepaids$18,669.98
Your down payment is the seller’s equity. You take over the $420,306 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $423,363.91 is due at closing. Uses and sources reconcile at $843,669.98 each. Not a Closing Disclosure.