Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$423,790Cash toward the purchase price.
Closing costs + prepaids$19,660Not just lender fees.
Before credits & paid funds$443,450The complete starting cash picture.
Estimated remaining funds due at closing
$443,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$423,789.95
Your down payment$423,789.95
Closing costs + prepaids$19,660.09
Total buyer cash needed$443,450.04
Remaining funds due$443,450.04
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%)$8,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,306.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,212.50
Prepaid interest, first (2 days)$73.54
Fees + prepaids$19,660.09
Your down payment is the seller’s equity. You take over the $461,210 balance, so the rest of the $885,000 price is paid at closing. A second mortgage can cover part of it. $443,450.04 is due at closing. Uses and sources reconcile at $904,660.09 each. Not a Closing Disclosure.