Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$607,890Cash toward the purchase price.
Closing costs + prepaids$18,895Not just lender fees.
Before credits & paid funds$626,785The complete starting cash picture.
Estimated remaining funds due at closing
$626,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$607,889.71
Your down payment$607,889.71
Closing costs + prepaids$18,894.96
Total buyer cash needed$626,784.66
Remaining funds due$626,784.66
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%)$8,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,105.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,072.50
Initial HOA (3 months)$213.00
Prepaid interest, first (24 days)$995.90
Fees + prepaids$18,894.96
Your down payment is the seller’s equity. You take over the $221,110 balance, so the rest of the $829,000 price is paid at closing. A second mortgage can cover part of it. $626,784.66 is due at closing. Uses and sources reconcile at $847,894.96 each. Not a Closing Disclosure.