Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$481,312Cash toward the purchase price.
Closing costs + prepaids$18,838Not just lender fees.
Before credits & paid funds$500,150The complete starting cash picture.
Estimated remaining funds due at closing
$500,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$481,312.14
Your down payment$481,312.14
Closing costs + prepaids$18,837.68
Total buyer cash needed$500,149.82
Remaining funds due$500,149.82
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,718.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$773.75
Initial HOA (3 months)$705.00
Prepaid interest, first (22 days)$1,172.49
Fees + prepaids$18,837.68
Your down payment is the seller’s equity. You take over the $343,688 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $500,149.82 is due at closing. Uses and sources reconcile at $843,837.68 each. Not a Closing Disclosure.