Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$434,830Cash toward the purchase price.
Closing costs + prepaids$17,534Not just lender fees.
Before credits & paid funds$452,364The complete starting cash picture.
Estimated remaining funds due at closing
$452,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$434,829.67
Your down payment$434,829.67
Closing costs + prepaids$17,533.88
Total buyer cash needed$452,363.54
Remaining funds due$452,363.54
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%)$2,074.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$708.50
Prepaid interest, first (1 days)$34.90
Fees + prepaids$17,533.88
Your down payment is the seller’s equity. You take over the $414,945 balance, so the rest of the $849,775 price is paid at closing. A second mortgage can cover part of it. $452,363.54 is due at closing. Uses and sources reconcile at $867,308.88 each. Not a Closing Disclosure.