Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$404,698Cash toward the purchase price.
Closing costs + prepaids$18,364Not just lender fees.
Before credits & paid funds$423,062The complete starting cash picture.
Estimated remaining funds due at closing
$423,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$404,698.47
Your down payment$404,698.47
Closing costs + prepaids$18,363.86
Total buyer cash needed$423,062.33
Remaining funds due$423,062.33
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%)$2,226.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,062.50
Prepaid interest, first (13 days)$356.85
Fees + prepaids$18,363.86
Your down payment is the seller’s equity. You take over the $445,302 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $423,062.33 is due at closing. Uses and sources reconcile at $868,363.86 each. Not a Closing Disclosure.