Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$805,393Cash toward the purchase price.
Closing costs + prepaids$17,056Not just lender fees.
Before credits & paid funds$822,449The complete starting cash picture.
Estimated remaining funds due at closing
$822,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$805,392.66
Your down payment$805,392.66
Closing costs + prepaids$17,055.94
Total buyer cash needed$822,448.60
Remaining funds due$822,448.60
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%)$8,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$198.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,837.00
Initial HOA (3 months)$165.00
Prepaid interest, first (26 days)$187.90
Fees + prepaids$17,055.94
Your down payment is the seller’s equity. You take over the $39,607 balance, so the rest of the $845,000 price is paid at closing. A second mortgage can cover part of it. $822,448.60 is due at closing. Uses and sources reconcile at $862,055.94 each. Not a Closing Disclosure.