Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$482,938Cash toward the purchase price.
Closing costs + prepaids$19,125Not just lender fees.
Before credits & paid funds$502,063The complete starting cash picture.
Estimated remaining funds due at closing
$502,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$482,937.99
Your down payment$482,937.99
Closing costs + prepaids$19,124.65
Total buyer cash needed$502,062.63
Remaining funds due$502,062.63
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%)$1,710.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$773.75
Initial HOA (3 months)$705.00
Prepaid interest, first (30 days)$1,467.59
Fees + prepaids$19,124.65
Your down payment is the seller’s equity. You take over the $342,062 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $502,062.63 is due at closing. Uses and sources reconcile at $844,124.65 each. Not a Closing Disclosure.