Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$318,951Cash toward the purchase price.
Closing costs + prepaids$18,787Not just lender fees.
Before credits & paid funds$337,738The complete starting cash picture.
Estimated remaining funds due at closing
$337,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,951.03
Your down payment$318,951.03
Closing costs + prepaids$18,787.38
Total buyer cash needed$337,738.40
Remaining funds due$337,738.40
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,530.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$812.25
Prepaid interest, first (26 days)$976.88
Fees + prepaids$18,787.38
Your down payment is the seller’s equity. You take over the $506,049 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $337,738.40 is due at closing. Uses and sources reconcile at $843,787.38 each. Not a Closing Disclosure.