Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$533,739Cash toward the purchase price.
Closing costs + prepaids$18,304Not just lender fees.
Before credits & paid funds$552,043The complete starting cash picture.
Estimated remaining funds due at closing
$552,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$533,739.48
Your down payment$533,739.48
Closing costs + prepaids$18,303.79
Total buyer cash needed$552,043.27
Remaining funds due$552,043.27
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%)$8,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,756.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$149.25
Initial HOA (3 months)$462.00
Prepaid interest, first (26 days)$868.24
Fees + prepaids$18,303.79
Your down payment is the seller’s equity. You take over the $351,261 balance, so the rest of the $885,000 price is paid at closing. A second mortgage can cover part of it. $552,043.27 is due at closing. Uses and sources reconcile at $903,303.79 each. Not a Closing Disclosure.