Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$508,607Cash toward the purchase price.
Closing costs + prepaids$18,343Not just lender fees.
Before credits & paid funds$526,951The complete starting cash picture.
Estimated remaining funds due at closing
$526,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$508,607.17
Your down payment$508,607.17
Closing costs + prepaids$18,343.36
Total buyer cash needed$526,950.53
Remaining funds due$526,950.53
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%)$7,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,456.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,000.00
Initial HOA (3 months)$150.00
Prepaid interest, first (24 days)$519.15
Fees + prepaids$18,343.36
Your down payment is the seller’s equity. You take over the $291,343 balance, so the rest of the $799,950 price is paid at closing. A second mortgage can cover part of it. $526,950.53 is due at closing. Uses and sources reconcile at $818,293.36 each. Not a Closing Disclosure.