Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$527,387Cash toward the purchase price.
Closing costs + prepaids$16,652Not just lender fees.
Before credits & paid funds$544,038The complete starting cash picture.
Estimated remaining funds due at closing
$544,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$527,386.66
Your down payment$527,386.66
Closing costs + prepaids$16,651.70
Total buyer cash needed$544,038.36
Remaining funds due$544,038.36
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%)$7,930.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,328.07
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$951.50
Prepaid interest, first (10 days)$224.13
Fees + prepaids$16,651.70
Your down payment is the seller’s equity. You take over the $265,613 balance, so the rest of the $793,000 price is paid at closing. A second mortgage can cover part of it. $544,038.36 is due at closing. Uses and sources reconcile at $809,651.70 each. Not a Closing Disclosure.