Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$305,618Cash toward the purchase price.
Closing costs + prepaids$19,745Not just lender fees.
Before credits & paid funds$325,362The complete starting cash picture.
Estimated remaining funds due at closing
$325,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,617.51
Your down payment$305,617.51
Closing costs + prepaids$19,744.73
Total buyer cash needed$325,362.24
Remaining funds due$325,362.24
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,596.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,529.50
Initial HOA (3 months)$108.00
Prepaid interest, first (25 days)$1,042.32
Fees + prepaids$19,744.73
Your down payment is the seller’s equity. You take over the $519,382 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $325,362.24 is due at closing. Uses and sources reconcile at $844,744.73 each. Not a Closing Disclosure.