Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$337,065Cash toward the purchase price.
Closing costs + prepaids$22,593Not just lender fees.
Before credits & paid funds$359,657The complete starting cash picture.
Estimated remaining funds due at closing
$359,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,064.76
Your down payment$337,064.76
Closing costs + prepaids$22,592.52
Total buyer cash needed$359,657.28
Remaining funds due$359,657.28
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%)$8,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,639.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,992.50
Initial HOA (3 months)$1,034.01
Prepaid interest, first (27 days)$1,058.33
Fees + prepaids$22,592.52
Your down payment is the seller’s equity. You take over the $527,935 balance, so the rest of the $865,000 price is paid at closing. A second mortgage can cover part of it. $359,657.28 is due at closing. Uses and sources reconcile at $887,592.52 each. Not a Closing Disclosure.