Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$403,742Cash toward the purchase price.
Closing costs + prepaids$17,851Not just lender fees.
Before credits & paid funds$421,594The complete starting cash picture.
Estimated remaining funds due at closing
$421,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$403,742.28
Your down payment$403,742.28
Closing costs + prepaids$17,851.32
Total buyer cash needed$421,593.61
Remaining funds due$421,593.61
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%)$2,106.29
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 (2 days)$68.79
Fees + prepaids$17,851.32
Your down payment is the seller’s equity. You take over the $421,258 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $421,593.61 is due at closing. Uses and sources reconcile at $842,851.32 each. Not a Closing Disclosure.