Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$461,350Cash toward the purchase price.
Closing costs + prepaids$17,917Not just lender fees.
Before credits & paid funds$479,267The complete starting cash picture.
Estimated remaining funds due at closing
$479,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$461,349.77
Your down payment$461,349.77
Closing costs + prepaids$17,917.07
Total buyer cash needed$479,266.84
Remaining funds due$479,266.84
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%)$8,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,817.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,031.25
Initial HOA (3 months)$65.01
Prepaid interest, first (18 days)$536.06
Fees + prepaids$17,917.07
Your down payment is the seller’s equity. You take over the $363,550 balance, so the rest of the $824,900 price is paid at closing. A second mortgage can cover part of it. $479,266.84 is due at closing. Uses and sources reconcile at $842,817.07 each. Not a Closing Disclosure.