Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$511,855Cash toward the purchase price.
Closing costs + prepaids$17,978Not just lender fees.
Before credits & paid funds$529,833The complete starting cash picture.
Estimated remaining funds due at closing
$529,833No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$511,854.69
Your down payment$511,854.69
Closing costs + prepaids$17,978.15
Total buyer cash needed$529,832.85
Remaining funds due$529,832.85
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%)$8,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,510.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,363.25
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$596.18
Fees + prepaids$17,978.15
Your down payment is the seller’s equity. You take over the $302,145 balance, so the rest of the $814,000 price is paid at closing. A second mortgage can cover part of it. $529,832.85 is due at closing. Uses and sources reconcile at $831,978.15 each. Not a Closing Disclosure.