Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$385,409Cash toward the purchase price.
Closing costs + prepaids$17,251Not just lender fees.
Before credits & paid funds$402,661The complete starting cash picture.
Estimated remaining funds due at closing
$402,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,409.27
Your down payment$385,409.27
Closing costs + prepaids$17,251.39
Total buyer cash needed$402,660.67
Remaining funds due$402,660.67
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%)$8,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,122.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$777.75
Prepaid interest, first (1 days)$32.69
Fees + prepaids$17,251.39
Your down payment is the seller’s equity. You take over the $424,591 balance, so the rest of the $810,000 price is paid at closing. A second mortgage can cover part of it. $402,660.67 is due at closing. Uses and sources reconcile at $827,251.39 each. Not a Closing Disclosure.