Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$413,571Cash toward the purchase price.
Closing costs + prepaids$21,161Not just lender fees.
Before credits & paid funds$434,732The complete starting cash picture.
Estimated remaining funds due at closing
$434,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$413,570.62
Your down payment$413,570.62
Closing costs + prepaids$21,161.01
Total buyer cash needed$434,731.63
Remaining funds due$434,731.63
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,057.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,567.00
Initial HOA (3 months)$1,308.00
Prepaid interest, first (30 days)$760.86
Fees + prepaids$21,161.01
Your down payment is the seller’s equity. You take over the $411,429 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $434,731.63 is due at closing. Uses and sources reconcile at $846,161.01 each. Not a Closing Disclosure.