Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$480,607Cash toward the purchase price.
Closing costs + prepaids$18,407Not just lender fees.
Before credits & paid funds$499,015The complete starting cash picture.
Estimated remaining funds due at closing
$499,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$480,607.47
Your down payment$480,607.47
Closing costs + prepaids$18,407.10
Total buyer cash needed$499,014.57
Remaining funds due$499,014.57
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%)$8,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,896.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,663.50
Prepaid interest, first (1 days)$30.14
Fees + prepaids$18,407.10
Your down payment is the seller’s equity. You take over the $379,293 balance, so the rest of the $859,900 price is paid at closing. A second mortgage can cover part of it. $499,014.57 is due at closing. Uses and sources reconcile at $878,307.10 each. Not a Closing Disclosure.