Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$593,175Cash toward the purchase price.
Closing costs + prepaids$17,729Not just lender fees.
Before credits & paid funds$610,904The complete starting cash picture.
Estimated remaining funds due at closing
$610,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$593,174.98
Your down payment$593,174.98
Closing costs + prepaids$17,729.11
Total buyer cash needed$610,904.09
Remaining funds due$610,904.09
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%)$1,159.13
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,248.00
Initial HOA (3 months)$330.00
Prepaid interest, first (25 days)$523.99
Fees + prepaids$17,729.11
Your down payment is the seller’s equity. You take over the $231,825 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $610,904.09 is due at closing. Uses and sources reconcile at $842,729.11 each. Not a Closing Disclosure.