Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$318,050Cash toward the purchase price.
Closing costs + prepaids$19,327Not just lender fees.
Before credits & paid funds$337,377The complete starting cash picture.
Estimated remaining funds due at closing
$337,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,049.93
Your down payment$318,049.93
Closing costs + prepaids$19,326.96
Total buyer cash needed$337,376.89
Remaining funds due$337,376.89
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,654.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$711.75
Prepaid interest, first (30 days)$1,252.46
Fees + prepaids$19,326.96
Your down payment is the seller’s equity. You take over the $530,950 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $337,376.89 is due at closing. Uses and sources reconcile at $868,326.96 each. Not a Closing Disclosure.