Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$514,798Cash toward the purchase price.
Closing costs + prepaids$18,526Not just lender fees.
Before credits & paid funds$533,324The complete starting cash picture.
Estimated remaining funds due at closing
$533,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$514,798.37
Your down payment$514,798.37
Closing costs + prepaids$18,525.90
Total buyer cash needed$533,324.27
Remaining funds due$533,324.27
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%)$8,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,601.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,546.25
Initial HOA (3 months)$171.99
Prepaid interest, first (26 days)$638.65
Fees + prepaids$18,525.90
Your down payment is the seller’s equity. You take over the $320,202 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $533,324.27 is due at closing. Uses and sources reconcile at $853,525.90 each. Not a Closing Disclosure.