Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$440,523Cash toward the purchase price.
Closing costs + prepaids$18,343Not just lender fees.
Before credits & paid funds$458,866The complete starting cash picture.
Estimated remaining funds due at closing
$458,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,522.71
Your down payment$440,522.71
Closing costs + prepaids$18,342.85
Total buyer cash needed$458,865.56
Remaining funds due$458,865.56
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%)$8,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,022.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,103.00
Initial HOA (3 months)$516.00
Prepaid interest, first (1 days)$33.47
Fees + prepaids$18,342.85
Your down payment is the seller’s equity. You take over the $404,477 balance, so the rest of the $845,000 price is paid at closing. A second mortgage can cover part of it. $458,865.56 is due at closing. Uses and sources reconcile at $863,342.85 each. Not a Closing Disclosure.