Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$486,846Cash toward the purchase price.
Closing costs + prepaids$18,799Not just lender fees.
Before credits & paid funds$505,645The complete starting cash picture.
Estimated remaining funds due at closing
$505,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$486,845.86
Your down payment$486,845.86
Closing costs + prepaids$18,799.39
Total buyer cash needed$505,645.24
Remaining funds due$505,645.24
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%)$8,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,865.77
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,003.00
Initial HOA (3 months)$57.00
Prepaid interest, first (2 days)$55.62
Fees + prepaids$18,799.39
Your down payment is the seller’s equity. You take over the $373,154 balance, so the rest of the $860,000 price is paid at closing. A second mortgage can cover part of it. $505,645.24 is due at closing. Uses and sources reconcile at $878,799.39 each. Not a Closing Disclosure.