Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$577,153Cash toward the purchase price.
Closing costs + prepaids$17,012Not just lender fees.
Before credits & paid funds$594,165The complete starting cash picture.
Estimated remaining funds due at closing
$594,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$577,152.57
Your down payment$577,152.57
Closing costs + prepaids$17,012.25
Total buyer cash needed$594,164.82
Remaining funds due$594,164.82
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%)$8,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,184.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$660.50
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$509.51
Fees + prepaids$17,012.25
Your down payment is the seller’s equity. You take over the $236,847 balance, so the rest of the $814,000 price is paid at closing. A second mortgage can cover part of it. $594,164.82 is due at closing. Uses and sources reconcile at $831,012.25 each. Not a Closing Disclosure.