Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$332,603Cash toward the purchase price.
Closing costs + prepaids$21,246Not just lender fees.
Before credits & paid funds$353,850The complete starting cash picture.
Estimated remaining funds due at closing
$353,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,603.31
Your down payment$332,603.31
Closing costs + prepaids$21,246.31
Total buyer cash needed$353,849.62
Remaining funds due$353,849.62
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%)$2,581.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,786.25
Initial HOA (3 months)$31.74
Prepaid interest, first (27 days)$1,138.34
Fees + prepaids$21,246.31
Your down payment is the seller’s equity. You take over the $516,397 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $353,849.62 is due at closing. Uses and sources reconcile at $870,246.31 each. Not a Closing Disclosure.