Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$470,407Cash toward the purchase price.
Closing costs + prepaids$18,502Not just lender fees.
Before credits & paid funds$488,909The complete starting cash picture.
Estimated remaining funds due at closing
$488,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$470,406.75
Your down payment$470,406.75
Closing costs + prepaids$18,501.77
Total buyer cash needed$488,908.52
Remaining funds due$488,908.52
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%)$1,772.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,327.75
Initial HOA (3 months)$185.01
Prepaid interest, first (22 days)$748.05
Fees + prepaids$18,501.77
Your down payment is the seller’s equity. You take over the $354,593 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $488,908.52 is due at closing. Uses and sources reconcile at $843,501.77 each. Not a Closing Disclosure.