Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$603,654Cash toward the purchase price.
Closing costs + prepaids$18,955Not just lender fees.
Before credits & paid funds$622,609The complete starting cash picture.
Estimated remaining funds due at closing
$622,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$603,654.14
Your down payment$603,654.14
Closing costs + prepaids$18,954.75
Total buyer cash needed$622,608.89
Remaining funds due$622,608.89
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,226.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,122.50
Initial HOA (3 months)$225.00
Prepaid interest, first (29 days)$672.52
Fees + prepaids$18,954.75
Your down payment is the seller’s equity. You take over the $245,346 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $622,608.89 is due at closing. Uses and sources reconcile at $867,954.75 each. Not a Closing Disclosure.