Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$561,494Cash toward the purchase price.
Closing costs + prepaids$18,287Not just lender fees.
Before credits & paid funds$579,781The complete starting cash picture.
Estimated remaining funds due at closing
$579,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$561,494.41
Your down payment$561,494.41
Closing costs + prepaids$18,286.76
Total buyer cash needed$579,781.17
Remaining funds due$579,781.17
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,442.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$909.00
Initial HOA (3 months)$245.01
Prepaid interest, first (30 days)$972.22
Fees + prepaids$18,286.76
Your down payment is the seller’s equity. You take over the $288,506 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $579,781.17 is due at closing. Uses and sources reconcile at $868,286.76 each. Not a Closing Disclosure.