Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$348,983Cash toward the purchase price.
Closing costs + prepaids$20,580Not just lender fees.
Before credits & paid funds$369,564The complete starting cash picture.
Estimated remaining funds due at closing
$369,564No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,983.24
Your down payment$348,983.24
Closing costs + prepaids$20,580.34
Total buyer cash needed$369,563.58
Remaining funds due$369,563.58
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%)$8,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,502.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,123.75
Prepaid interest, first (25 days)$1,241.01
Fees + prepaids$20,580.34
Your down payment is the seller’s equity. You take over the $500,517 balance, so the rest of the $849,500 price is paid at closing. A second mortgage can cover part of it. $369,563.58 is due at closing. Uses and sources reconcile at $870,080.34 each. Not a Closing Disclosure.