Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$302,580Cash toward the purchase price.
Closing costs + prepaids$20,831Not just lender fees.
Before credits & paid funds$323,412The complete starting cash picture.
Estimated remaining funds due at closing
$323,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$302,580.04
Your down payment$302,580.04
Closing costs + prepaids$20,831.50
Total buyer cash needed$323,411.54
Remaining funds due$323,411.54
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%)$2,737.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,125.00
Prepaid interest, first (28 days)$1,251.41
Fees + prepaids$20,831.50
Your down payment is the seller’s equity. You take over the $547,419 balance, so the rest of the $849,999 price is paid at closing. A second mortgage can cover part of it. $323,411.54 is due at closing. Uses and sources reconcile at $870,830.50 each. Not a Closing Disclosure.