Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$382,640Cash toward the purchase price.
Closing costs + prepaids$17,749Not just lender fees.
Before credits & paid funds$400,389The complete starting cash picture.
Estimated remaining funds due at closing
$400,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,640.21
Your down payment$382,640.21
Closing costs + prepaids$17,748.78
Total buyer cash needed$400,389.00
Remaining funds due$400,389.00
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%)$8,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,136.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$972.00
Prepaid interest, first (10 days)$321.98
Fees + prepaids$17,748.78
Your down payment is the seller’s equity. You take over the $427,360 balance, so the rest of the $810,000 price is paid at closing. A second mortgage can cover part of it. $400,389.00 is due at closing. Uses and sources reconcile at $827,748.78 each. Not a Closing Disclosure.