Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$386,415Cash toward the purchase price.
Closing costs + prepaids$18,225Not just lender fees.
Before credits & paid funds$404,639The complete starting cash picture.
Estimated remaining funds due at closing
$404,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,414.56
Your down payment$386,414.56
Closing costs + prepaids$18,224.60
Total buyer cash needed$404,639.15
Remaining funds due$404,639.15
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%)$8,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,117.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$777.75
Prepaid interest, first (31 days)$1,010.92
Fees + prepaids$18,224.60
Your down payment is the seller’s equity. You take over the $423,585 balance, so the rest of the $810,000 price is paid at closing. A second mortgage can cover part of it. $404,639.15 is due at closing. Uses and sources reconcile at $828,224.60 each. Not a Closing Disclosure.