Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$324,744Cash toward the purchase price.
Closing costs + prepaids$19,414Not just lender fees.
Before credits & paid funds$344,158The complete starting cash picture.
Estimated remaining funds due at closing
$344,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,743.61
Your down payment$324,743.61
Closing costs + prepaids$19,413.90
Total buyer cash needed$344,157.51
Remaining funds due$344,157.51
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,625.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$774.25
Initial HOA (3 months)$330.00
Prepaid interest, first (24 days)$966.86
Fees + prepaids$19,413.90
Your down payment is the seller’s equity. You take over the $525,156 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $344,157.51 is due at closing. Uses and sources reconcile at $869,313.90 each. Not a Closing Disclosure.