Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$336,225Cash toward the purchase price.
Closing costs + prepaids$19,171Not just lender fees.
Before credits & paid funds$355,395The complete starting cash picture.
Estimated remaining funds due at closing
$355,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,224.59
Your down payment$336,224.59
Closing costs + prepaids$19,170.83
Total buyer cash needed$355,395.43
Remaining funds due$355,395.43
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%)$8,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,568.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$160.75
Initial HOA (3 months)$62.25
Prepaid interest, first (25 days)$1,660.97
Fees + prepaids$19,170.83
Your down payment is the seller’s equity. You take over the $513,774 balance, so the rest of the $849,999 price is paid at closing. A second mortgage can cover part of it. $355,395.43 is due at closing. Uses and sources reconcile at $869,169.83 each. Not a Closing Disclosure.