Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$453,926Cash toward the purchase price.
Closing costs + prepaids$17,674Not just lender fees.
Before credits & paid funds$471,601The complete starting cash picture.
Estimated remaining funds due at closing
$471,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$453,926.45
Your down payment$453,926.45
Closing costs + prepaids$17,674.26
Total buyer cash needed$471,600.71
Remaining funds due$471,600.71
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%)$8,249.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,855.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$845.75
Initial HOA (3 months)$426.00
Prepaid interest, first (2 days)$79.90
Fees + prepaids$17,674.26
Your down payment is the seller’s equity. You take over the $371,024 balance, so the rest of the $824,950 price is paid at closing. A second mortgage can cover part of it. $471,600.71 is due at closing. Uses and sources reconcile at $842,624.26 each. Not a Closing Disclosure.