Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$477,252Cash toward the purchase price.
Closing costs + prepaids$17,952Not just lender fees.
Before credits & paid funds$495,204The complete starting cash picture.
Estimated remaining funds due at closing
$495,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$477,252.39
Your down payment$477,252.39
Closing costs + prepaids$17,951.77
Total buyer cash needed$495,204.16
Remaining funds due$495,204.16
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%)$1,863.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$953.25
Initial HOA (3 months)$384.00
Prepaid interest, first (1 days)$32.78
Fees + prepaids$17,951.77
Your down payment is the seller’s equity. You take over the $372,748 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $495,204.16 is due at closing. Uses and sources reconcile at $867,951.77 each. Not a Closing Disclosure.