Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$611,081Cash toward the purchase price.
Closing costs + prepaids$18,052Not just lender fees.
Before credits & paid funds$629,133The complete starting cash picture.
Estimated remaining funds due at closing
$629,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$611,081.03
Your down payment$611,081.03
Closing costs + prepaids$18,051.84
Total buyer cash needed$629,132.87
Remaining funds due$629,132.87
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%)$8,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,094.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,697.00
Initial HOA (3 months)$68.76
Prepaid interest, first (27 days)$674.98
Fees + prepaids$18,051.84
Your down payment is the seller’s equity. You take over the $218,819 balance, so the rest of the $829,900 price is paid at closing. A second mortgage can cover part of it. $629,132.87 is due at closing. Uses and sources reconcile at $847,951.84 each. Not a Closing Disclosure.