Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$522,250Cash toward the purchase price.
Closing costs + prepaids$18,754Not just lender fees.
Before credits & paid funds$541,004The complete starting cash picture.
Estimated remaining funds due at closing
$541,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$522,250.32
Your down payment$522,250.32
Closing costs + prepaids$18,753.87
Total buyer cash needed$541,004.19
Remaining funds due$541,004.19
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%)$7,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,363.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,035.75
Initial HOA (3 months)$534.99
Prepaid interest, first (23 days)$651.39
Fees + prepaids$18,753.87
Your down payment is the seller’s equity. You take over the $272,750 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $541,004.19 is due at closing. Uses and sources reconcile at $813,753.87 each. Not a Closing Disclosure.