Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$322,542Cash toward the purchase price.
Closing costs + prepaids$19,692Not just lender fees.
Before credits & paid funds$342,234The complete starting cash picture.
Estimated remaining funds due at closing
$342,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,541.59
Your down payment$322,541.59
Closing costs + prepaids$19,692.12
Total buyer cash needed$342,233.71
Remaining funds due$342,233.71
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,632.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$61.50
Initial HOA (3 months)$134.01
Prepaid interest, first (23 days)$2,156.32
Fees + prepaids$19,692.12
Your down payment is the seller’s equity. You take over the $526,458 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $342,233.71 is due at closing. Uses and sources reconcile at $868,692.12 each. Not a Closing Disclosure.