Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$264,363Cash toward the purchase price.
Closing costs + prepaids$18,500Not just lender fees.
Before credits & paid funds$282,862The complete starting cash picture.
Estimated remaining funds due at closing
$282,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,362.61
Your down payment$264,362.61
Closing costs + prepaids$18,499.54
Total buyer cash needed$282,862.15
Remaining funds due$282,862.15
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%)$2,728.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$972.00
Prepaid interest, first (10 days)$481.36
Fees + prepaids$18,499.54
Your down payment is the seller’s equity. You take over the $545,637 balance, so the rest of the $810,000 price is paid at closing. A second mortgage can cover part of it. $282,862.15 is due at closing. Uses and sources reconcile at $828,499.54 each. Not a Closing Disclosure.