Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$502,423Cash toward the purchase price.
Closing costs + prepaids$19,114Not just lender fees.
Before credits & paid funds$521,537The complete starting cash picture.
Estimated remaining funds due at closing
$521,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$502,423.49
Your down payment$502,423.49
Closing costs + prepaids$19,113.59
Total buyer cash needed$521,537.08
Remaining funds due$521,537.08
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%)$8,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,637.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,074.75
Prepaid interest, first (31 days)$884.46
Fees + prepaids$19,113.59
Your down payment is the seller’s equity. You take over the $327,477 balance, so the rest of the $829,900 price is paid at closing. A second mortgage can cover part of it. $521,537.08 is due at closing. Uses and sources reconcile at $849,013.59 each. Not a Closing Disclosure.