Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$416,647Cash toward the purchase price.
Closing costs + prepaids$18,342Not just lender fees.
Before credits & paid funds$434,989The complete starting cash picture.
Estimated remaining funds due at closing
$434,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$416,647.22
Your down payment$416,647.22
Closing costs + prepaids$18,341.89
Total buyer cash needed$434,989.10
Remaining funds due$434,989.10
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%)$8,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,061.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,146.25
Prepaid interest, first (20 days)$625.87
Fees + prepaids$18,341.89
Your down payment is the seller’s equity. You take over the $412,353 balance, so the rest of the $829,000 price is paid at closing. A second mortgage can cover part of it. $434,989.10 is due at closing. Uses and sources reconcile at $847,341.89 each. Not a Closing Disclosure.