Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$584,754Cash toward the purchase price.
Closing costs + prepaids$17,504Not just lender fees.
Before credits & paid funds$602,258The complete starting cash picture.
Estimated remaining funds due at closing
$602,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$584,753.89
Your down payment$584,753.89
Closing costs + prepaids$17,504.19
Total buyer cash needed$602,258.09
Remaining funds due$602,258.09
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%)$8,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,301.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Initial HOA (3 months)$600.00
Prepaid interest, first (31 days)$934.96
Fees + prepaids$17,504.19
Your down payment is the seller’s equity. You take over the $260,246 balance, so the rest of the $845,000 price is paid at closing. A second mortgage can cover part of it. $602,258.09 is due at closing. Uses and sources reconcile at $862,504.19 each. Not a Closing Disclosure.