Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$415,659Cash toward the purchase price.
Closing costs + prepaids$17,752Not just lender fees.
Before credits & paid funds$433,411The complete starting cash picture.
Estimated remaining funds due at closing
$433,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$415,658.62
Your down payment$415,658.62
Closing costs + prepaids$17,752.33
Total buyer cash needed$433,410.95
Remaining funds due$433,410.95
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%)$8,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,066.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,146.25
Prepaid interest, first (1 days)$31.37
Fees + prepaids$17,752.33
Your down payment is the seller’s equity. You take over the $413,341 balance, so the rest of the $829,000 price is paid at closing. A second mortgage can cover part of it. $433,410.95 is due at closing. Uses and sources reconcile at $846,752.33 each. Not a Closing Disclosure.