Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$446,007Cash toward the purchase price.
Closing costs + prepaids$16,621Not just lender fees.
Before credits & paid funds$462,628The complete starting cash picture.
Estimated remaining funds due at closing
$462,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$446,007.21
Your down payment$446,007.21
Closing costs + prepaids$16,621.10
Total buyer cash needed$462,628.31
Remaining funds due$462,628.31
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%)$8,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,969.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Prepaid interest, first (1 days)$33.14
Fees + prepaids$16,621.10
Your down payment is the seller’s equity. You take over the $393,993 balance, so the rest of the $840,000 price is paid at closing. A second mortgage can cover part of it. $462,628.31 is due at closing. Uses and sources reconcile at $856,621.10 each. Not a Closing Disclosure.