Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$375,025Cash toward the purchase price.
Closing costs + prepaids$18,183Not just lender fees.
Before credits & paid funds$393,209The complete starting cash picture.
Estimated remaining funds due at closing
$393,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$375,025.37
Your down payment$375,025.37
Closing costs + prepaids$18,183.44
Total buyer cash needed$393,208.81
Remaining funds due$393,208.81
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,249.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,031.25
Prepaid interest, first (13 days)$434.32
Fees + prepaids$18,183.44
Your down payment is the seller’s equity. You take over the $449,975 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $393,208.81 is due at closing. Uses and sources reconcile at $843,183.44 each. Not a Closing Disclosure.