Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$500,025Cash toward the purchase price.
Closing costs + prepaids$16,209Not just lender fees.
Before credits & paid funds$516,234The complete starting cash picture.
Estimated remaining funds due at closing
$516,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$500,024.77
Your down payment$500,024.77
Closing costs + prepaids$16,209.35
Total buyer cash needed$516,234.13
Remaining funds due$516,234.13
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%)$6,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$924.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,712.25
Initial HOA (3 months)$810.00
Prepaid interest, first (25 days)$445.73
Fees + prepaids$16,209.35
Your down payment is the seller’s equity. You take over the $184,875 balance, so the rest of the $684,900 price is paid at closing. A second mortgage can cover part of it. $516,234.13 is due at closing. Uses and sources reconcile at $701,109.35 each. Not a Closing Disclosure.