Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$646,862Cash toward the purchase price.
Closing costs + prepaids$18,533Not just lender fees.
Before credits & paid funds$665,394The complete starting cash picture.
Estimated remaining funds due at closing
$665,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$646,861.75
Your down payment$646,861.75
Closing costs + prepaids$18,532.58
Total buyer cash needed$665,394.34
Remaining funds due$665,394.34
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,015.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,555.75
Initial HOA (3 months)$752.01
Prepaid interest, first (24 days)$492.63
Fees + prepaids$18,532.58
Your down payment is the seller’s equity. You take over the $203,038 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $665,394.34 is due at closing. Uses and sources reconcile at $868,432.58 each. Not a Closing Disclosure.