Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$519,637Cash toward the purchase price.
Closing costs + prepaids$18,111Not just lender fees.
Before credits & paid funds$537,748The complete starting cash picture.
Estimated remaining funds due at closing
$537,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$519,637.05
Your down payment$519,637.05
Closing costs + prepaids$18,110.91
Total buyer cash needed$537,747.96
Remaining funds due$537,747.96
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,651.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,020.00
Initial HOA (3 months)$462.00
Prepaid interest, first (10 days)$260.59
Fees + prepaids$18,110.91
Your down payment is the seller’s equity. You take over the $330,263 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $537,747.96 is due at closing. Uses and sources reconcile at $868,010.91 each. Not a Closing Disclosure.