Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$540,071Cash toward the purchase price.
Closing costs + prepaids$18,646Not just lender fees.
Before credits & paid funds$558,717The complete starting cash picture.
Estimated remaining funds due at closing
$558,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$540,070.64
Your down payment$540,070.64
Closing costs + prepaids$18,646.47
Total buyer cash needed$558,717.11
Remaining funds due$558,717.11
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%)$1,424.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,062.50
Prepaid interest, first (27 days)$691.32
Fees + prepaids$18,646.47
Your down payment is the seller’s equity. You take over the $284,929 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $558,717.11 is due at closing. Uses and sources reconcile at $843,646.47 each. Not a Closing Disclosure.