Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$517,542Cash toward the purchase price.
Closing costs + prepaids$19,320Not just lender fees.
Before credits & paid funds$536,862The complete starting cash picture.
Estimated remaining funds due at closing
$536,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$517,541.52
Your down payment$517,541.52
Closing costs + prepaids$19,320.32
Total buyer cash needed$536,861.84
Remaining funds due$536,861.84
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,661.79
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,124.75
Prepaid interest, first (26 days)$816.78
Fees + prepaids$19,320.32
Your down payment is the seller’s equity. You take over the $332,358 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $536,861.84 is due at closing. Uses and sources reconcile at $869,220.32 each. Not a Closing Disclosure.