Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$435,738Cash toward the purchase price.
Closing costs + prepaids$18,154Not just lender fees.
Before credits & paid funds$453,892The complete starting cash picture.
Estimated remaining funds due at closing
$453,892No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$435,737.90
Your down payment$435,737.90
Closing costs + prepaids$18,153.93
Total buyer cash needed$453,891.83
Remaining funds due$453,891.83
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%)$8,497.75
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,070.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,019.75
Prepaid interest, first (10 days)$348.24
Fees + prepaids$18,153.93
Your down payment is the seller’s equity. You take over the $414,037 balance, so the rest of the $849,775 price is paid at closing. A second mortgage can cover part of it. $453,891.83 is due at closing. Uses and sources reconcile at $867,928.93 each. Not a Closing Disclosure.