Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$812,380Cash toward the purchase price.
Closing costs + prepaids$16,553Not just lender fees.
Before credits & paid funds$828,933The complete starting cash picture.
Estimated remaining funds due at closing
$828,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$812,380.12
Your down payment$812,380.12
Closing costs + prepaids$16,552.66
Total buyer cash needed$828,932.78
Remaining funds due$828,932.78
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%)$8,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$233.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,030.75
Initial HOA (3 months)$396.00
Prepaid interest, first (10 days)$84.81
Fees + prepaids$16,552.66
Your down payment is the seller’s equity. You take over the $46,620 balance, so the rest of the $859,000 price is paid at closing. A second mortgage can cover part of it. $828,932.78 is due at closing. Uses and sources reconcile at $875,552.66 each. Not a Closing Disclosure.