Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$844,758Cash toward the purchase price.
Closing costs + prepaids$19,314Not just lender fees.
Before credits & paid funds$864,072The complete starting cash picture.
Estimated remaining funds due at closing
$864,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$844,757.96
Your down payment$844,757.96
Closing costs + prepaids$19,314.44
Total buyer cash needed$864,072.41
Remaining funds due$864,072.41
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%)$8,630.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$91.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,157.50
Initial HOA (3 months)$2,157.00
Prepaid interest, first (31 days)$60.73
Fees + prepaids$19,314.44
Your down payment is the seller’s equity. You take over the $18,242 balance, so the rest of the $863,000 price is paid at closing. A second mortgage can cover part of it. $864,072.41 is due at closing. Uses and sources reconcile at $882,314.44 each. Not a Closing Disclosure.