Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$574,970Cash toward the purchase price.
Closing costs + prepaids$21,096Not just lender fees.
Before credits & paid funds$596,066The complete starting cash picture.
Estimated remaining funds due at closing
$596,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$574,970.16
Your down payment$574,970.16
Closing costs + prepaids$21,095.63
Total buyer cash needed$596,065.79
Remaining funds due$596,065.79
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%)$8,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,325.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,623.25
Initial HOA (3 months)$1,287.00
Prepaid interest, first (28 days)$1,242.23
Fees + prepaids$21,095.63
Your down payment is the seller’s equity. You take over the $265,030 balance, so the rest of the $840,000 price is paid at closing. A second mortgage can cover part of it. $596,065.79 is due at closing. Uses and sources reconcile at $861,095.63 each. Not a Closing Disclosure.