Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$397,217Cash toward the purchase price.
Closing costs + prepaids$18,447Not just lender fees.
Before credits & paid funds$415,664The complete starting cash picture.
Estimated remaining funds due at closing
$415,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$397,216.88
Your down payment$397,216.88
Closing costs + prepaids$18,446.63
Total buyer cash needed$415,663.51
Remaining funds due$415,663.51
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,263.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,221.25
Initial HOA (3 months)$177.99
Prepaid interest, first (2 days)$66.97
Fees + prepaids$18,446.63
Your down payment is the seller’s equity. You take over the $452,683 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $415,663.51 is due at closing. Uses and sources reconcile at $868,346.63 each. Not a Closing Disclosure.