Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$407,369Cash toward the purchase price.
Closing costs + prepaids$18,880Not just lender fees.
Before credits & paid funds$426,249The complete starting cash picture.
Estimated remaining funds due at closing
$426,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$407,369.02
Your down payment$407,369.02
Closing costs + prepaids$18,880.44
Total buyer cash needed$426,249.47
Remaining funds due$426,249.47
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%)$8,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,333.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$768.75
Initial HOA (3 months)$750.99
Prepaid interest, first (2 days)$69.55
Fees + prepaids$18,880.44
Your down payment is the seller’s equity. You take over the $466,631 balance, so the rest of the $874,000 price is paid at closing. A second mortgage can cover part of it. $426,249.47 is due at closing. Uses and sources reconcile at $892,880.44 each. Not a Closing Disclosure.