Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$498,914Cash toward the purchase price.
Closing costs + prepaids$17,937Not just lender fees.
Before credits & paid funds$516,851The complete starting cash picture.
Estimated remaining funds due at closing
$516,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$498,914.32
Your down payment$498,914.32
Closing costs + prepaids$17,936.92
Total buyer cash needed$516,851.24
Remaining funds due$516,851.24
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%)$1,654.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$869.00
Initial HOA (3 months)$200.01
Prepaid interest, first (25 days)$695.98
Fees + prepaids$17,936.92
Your down payment is the seller’s equity. You take over the $330,986 balance, so the rest of the $829,900 price is paid at closing. A second mortgage can cover part of it. $516,851.24 is due at closing. Uses and sources reconcile at $847,836.92 each. Not a Closing Disclosure.