Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$476,247Cash toward the purchase price.
Closing costs + prepaids$18,025Not just lender fees.
Before credits & paid funds$494,273The complete starting cash picture.
Estimated remaining funds due at closing
$494,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$476,247.29
Your down payment$476,247.29
Closing costs + prepaids$18,025.28
Total buyer cash needed$494,272.57
Remaining funds due$494,272.57
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%)$8,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,668.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,057.50
Initial HOA (3 months)$137.49
Prepaid interest, first (25 days)$843.53
Fees + prepaids$18,025.28
Your down payment is the seller’s equity. You take over the $333,753 balance, so the rest of the $810,000 price is paid at closing. A second mortgage can cover part of it. $494,272.57 is due at closing. Uses and sources reconcile at $828,025.28 each. Not a Closing Disclosure.