Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$448,105Cash toward the purchase price.
Closing costs + prepaids$18,920Not just lender fees.
Before credits & paid funds$467,025The complete starting cash picture.
Estimated remaining funds due at closing
$467,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$448,104.68
Your down payment$448,104.68
Closing costs + prepaids$18,920.27
Total buyer cash needed$467,024.95
Remaining funds due$467,024.95
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%)$8,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,108.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,087.50
Initial HOA (3 months)$186.00
Prepaid interest, first (17 days)$620.79
Fees + prepaids$18,920.27
Your down payment is the seller’s equity. You take over the $421,795 balance, so the rest of the $869,900 price is paid at closing. A second mortgage can cover part of it. $467,024.95 is due at closing. Uses and sources reconcile at $888,820.27 each. Not a Closing Disclosure.