Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$406,982Cash toward the purchase price.
Closing costs + prepaids$18,307Not just lender fees.
Before credits & paid funds$425,289The complete starting cash picture.
Estimated remaining funds due at closing
$425,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$406,981.79
Your down payment$406,981.79
Closing costs + prepaids$18,306.91
Total buyer cash needed$425,288.70
Remaining funds due$425,288.70
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%)$8,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,240.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$636.00
Prepaid interest, first (18 days)$662.82
Fees + prepaids$18,306.91
Your down payment is the seller’s equity. You take over the $448,018 balance, so the rest of the $855,000 price is paid at closing. A second mortgage can cover part of it. $425,288.70 is due at closing. Uses and sources reconcile at $873,306.91 each. Not a Closing Disclosure.