Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$423,966Cash toward the purchase price.
Closing costs + prepaids$18,591Not just lender fees.
Before credits & paid funds$442,557The complete starting cash picture.
Estimated remaining funds due at closing
$442,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$423,965.87
Your down payment$423,965.87
Closing costs + prepaids$18,591.47
Total buyer cash needed$442,557.34
Remaining funds due$442,557.34
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,130.17
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$926.25
Prepaid interest, first (20 days)$817.05
Fees + prepaids$18,591.47
Your down payment is the seller’s equity. You take over the $426,034 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $442,557.34 is due at closing. Uses and sources reconcile at $868,591.47 each. Not a Closing Disclosure.