Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$299,678Cash toward the purchase price.
Closing costs + prepaids$19,565Not just lender fees.
Before credits & paid funds$319,242The complete starting cash picture.
Estimated remaining funds due at closing
$319,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,677.63
Your down payment$299,677.63
Closing costs + prepaids$19,564.61
Total buyer cash needed$319,242.24
Remaining funds due$319,242.24
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,626.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,238.75
Initial HOA (3 months)$60.00
Prepaid interest, first (26 days)$1,171.25
Fees + prepaids$19,564.61
Your down payment is the seller’s equity. You take over the $525,322 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $319,242.24 is due at closing. Uses and sources reconcile at $844,564.61 each. Not a Closing Disclosure.