Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$407,602Cash toward the purchase price.
Closing costs + prepaids$18,151Not just lender fees.
Before credits & paid funds$425,753The complete starting cash picture.
Estimated remaining funds due at closing
$425,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$407,602.18
Your down payment$407,602.18
Closing costs + prepaids$18,150.91
Total buyer cash needed$425,753.08
Remaining funds due$425,753.08
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,211.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,072.00
Initial HOA (3 months)$110.01
Prepaid interest, first (1 days)$38.91
Fees + prepaids$18,150.91
Your down payment is the seller’s equity. You take over the $442,398 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $425,753.08 is due at closing. Uses and sources reconcile at $868,150.91 each. Not a Closing Disclosure.