Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$468,702Cash toward the purchase price.
Closing costs + prepaids$18,595Not just lender fees.
Before credits & paid funds$487,297The complete starting cash picture.
Estimated remaining funds due at closing
$487,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$468,701.90
Your down payment$468,701.90
Closing costs + prepaids$18,595.47
Total buyer cash needed$487,297.37
Remaining funds due$487,297.37
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,905.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$944.75
Initial HOA (3 months)$507.00
Prepaid interest, first (18 days)$520.73
Fees + prepaids$18,595.47
Your down payment is the seller’s equity. You take over the $381,198 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $487,297.37 is due at closing. Uses and sources reconcile at $868,495.47 each. Not a Closing Disclosure.