Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$579,307Cash toward the purchase price.
Closing costs + prepaids$17,506Not just lender fees.
Before credits & paid funds$596,813The complete starting cash picture.
Estimated remaining funds due at closing
$596,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$579,307.30
Your down payment$579,307.30
Closing costs + prepaids$17,506.07
Total buyer cash needed$596,813.37
Remaining funds due$596,813.37
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%)$8,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,278.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$780.00
Initial HOA (3 months)$350.01
Prepaid interest, first (27 days)$529.60
Fees + prepaids$17,506.07
Your down payment is the seller’s equity. You take over the $255,693 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $596,813.37 is due at closing. Uses and sources reconcile at $852,506.07 each. Not a Closing Disclosure.