Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$377,319Cash toward the purchase price.
Closing costs + prepaids$18,221Not just lender fees.
Before credits & paid funds$395,541The complete starting cash picture.
Estimated remaining funds due at closing
$395,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,319.07
Your down payment$377,319.07
Closing costs + prepaids$18,221.48
Total buyer cash needed$395,540.56
Remaining funds due$395,540.56
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%)$8,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,188.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$594.50
Prepaid interest, first (31 days)$1,070.58
Fees + prepaids$18,221.48
Your down payment is the seller’s equity. You take over the $437,681 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $395,540.56 is due at closing. Uses and sources reconcile at $833,221.48 each. Not a Closing Disclosure.