Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$657,021Cash toward the purchase price.
Closing costs + prepaids$18,281Not just lender fees.
Before credits & paid funds$675,302The complete starting cash picture.
Estimated remaining funds due at closing
$675,302No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$657,020.89
Your down payment$657,020.89
Closing costs + prepaids$18,280.78
Total buyer cash needed$675,301.67
Remaining funds due$675,301.67
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%)$964.90
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)$162.00
Prepaid interest, first (28 days)$310.88
Fees + prepaids$18,280.78
Your down payment is the seller’s equity. You take over the $192,979 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $675,301.67 is due at closing. Uses and sources reconcile at $868,280.78 each. Not a Closing Disclosure.