Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$451,924Cash toward the purchase price.
Closing costs + prepaids$20,289Not just lender fees.
Before credits & paid funds$472,213The complete starting cash picture.
Estimated remaining funds due at closing
$472,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$451,924.18
Your down payment$451,924.18
Closing costs + prepaids$20,288.86
Total buyer cash needed$472,213.03
Remaining funds due$472,213.03
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%)$8,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,135.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,688.50
Initial HOA (3 months)$390.75
Prepaid interest, first (2 days)$66.23
Fees + prepaids$20,288.86
Your down payment is the seller’s equity. You take over the $427,076 balance, so the rest of the $879,000 price is paid at closing. A second mortgage can cover part of it. $472,213.03 is due at closing. Uses and sources reconcile at $899,288.86 each. Not a Closing Disclosure.