Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$430,961Cash toward the purchase price.
Closing costs + prepaids$19,799Not just lender fees.
Before credits & paid funds$450,761The complete starting cash picture.
Estimated remaining funds due at closing
$450,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,961.36
Your down payment$430,961.36
Closing costs + prepaids$19,799.28
Total buyer cash needed$450,760.64
Remaining funds due$450,760.64
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,090.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,720.00
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$1,026.08
Fees + prepaids$19,799.28
Your down payment is the seller’s equity. You take over the $418,039 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $450,760.64 is due at closing. Uses and sources reconcile at $868,799.28 each. Not a Closing Disclosure.