Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$509,051Cash toward the purchase price.
Closing costs + prepaids$18,053Not just lender fees.
Before credits & paid funds$527,104The complete starting cash picture.
Estimated remaining funds due at closing
$527,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$509,051.21
Your down payment$509,051.21
Closing costs + prepaids$18,053.01
Total buyer cash needed$527,104.23
Remaining funds due$527,104.23
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,704.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$828.50
Initial HOA (3 months)$187.50
Prepaid interest, first (24 days)$614.27
Fees + prepaids$18,053.01
Your down payment is the seller’s equity. You take over the $340,949 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $527,104.23 is due at closing. Uses and sources reconcile at $868,053.01 each. Not a Closing Disclosure.