Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$575,148Cash toward the purchase price.
Closing costs + prepaids$18,908Not just lender fees.
Before credits & paid funds$594,056The complete starting cash picture.
Estimated remaining funds due at closing
$594,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$575,148.14
Your down payment$575,148.14
Closing costs + prepaids$18,908.34
Total buyer cash needed$594,056.48
Remaining funds due$594,056.48
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%)$1,373.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,124.75
Prepaid interest, first (26 days)$692.83
Fees + prepaids$18,908.34
Your down payment is the seller’s equity. You take over the $274,752 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $594,056.48 is due at closing. Uses and sources reconcile at $868,808.34 each. Not a Closing Disclosure.