Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$405,961Cash toward the purchase price.
Closing costs + prepaids$17,686Not just lender fees.
Before credits & paid funds$423,647The complete starting cash picture.
Estimated remaining funds due at closing
$423,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$405,960.54
Your down payment$405,960.54
Closing costs + prepaids$17,686.10
Total buyer cash needed$423,646.64
Remaining funds due$423,646.64
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%)$2,245.20
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 (1 days)$36.91
Fees + prepaids$17,686.10
Your down payment is the seller’s equity. You take over the $449,039 balance, so the rest of the $855,000 price is paid at closing. A second mortgage can cover part of it. $423,646.64 is due at closing. Uses and sources reconcile at $872,686.10 each. Not a Closing Disclosure.