Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$358,225Cash toward the purchase price.
Closing costs + prepaids$20,356Not just lender fees.
Before credits & paid funds$378,580The complete starting cash picture.
Estimated remaining funds due at closing
$378,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,224.72
Your down payment$358,224.72
Closing costs + prepaids$20,355.58
Total buyer cash needed$378,580.30
Remaining funds due$378,580.30
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%)$2,458.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,125.00
Initial HOA (3 months)$120.00
Prepaid interest, first (18 days)$933.70
Fees + prepaids$20,355.58
Your down payment is the seller’s equity. You take over the $491,775 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $378,580.30 is due at closing. Uses and sources reconcile at $870,355.58 each. Not a Closing Disclosure.