Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$502,937Cash toward the purchase price.
Closing costs + prepaids$20,151Not just lender fees.
Before credits & paid funds$523,088The complete starting cash picture.
Estimated remaining funds due at closing
$523,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$502,937.03
Your down payment$502,937.03
Closing costs + prepaids$20,151.19
Total buyer cash needed$523,088.21
Remaining funds due$523,088.21
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,735.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,125.00
Initial HOA (3 months)$423.00
Prepaid interest, first (29 days)$1,149.87
Fees + prepaids$20,151.19
Your down payment is the seller’s equity. You take over the $347,063 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $523,088.21 is due at closing. Uses and sources reconcile at $870,151.19 each. Not a Closing Disclosure.