Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$411,478Cash toward the purchase price.
Closing costs + prepaids$17,944Not just lender fees.
Before credits & paid funds$429,422The complete starting cash picture.
Estimated remaining funds due at closing
$429,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$411,477.95
Your down payment$411,477.95
Closing costs + prepaids$17,943.75
Total buyer cash needed$429,421.70
Remaining funds due$429,421.70
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%)$8,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,017.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,018.75
Prepaid interest, first (17 days)$539.39
Fees + prepaids$17,943.75
Your down payment is the seller’s equity. You take over the $403,522 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $429,421.70 is due at closing. Uses and sources reconcile at $832,943.75 each. Not a Closing Disclosure.