Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$484,782Cash toward the purchase price.
Closing costs + prepaids$18,648Not just lender fees.
Before credits & paid funds$503,430The complete starting cash picture.
Estimated remaining funds due at closing
$503,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$484,782.36
Your down payment$484,782.36
Closing costs + prepaids$18,647.89
Total buyer cash needed$503,430.25
Remaining funds due$503,430.25
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,701.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,546.25
Initial HOA (3 months)$200.01
Prepaid interest, first (29 days)$732.54
Fees + prepaids$18,647.89
Your down payment is the seller’s equity. You take over the $340,218 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $503,430.25 is due at closing. Uses and sources reconcile at $843,647.89 each. Not a Closing Disclosure.