Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$511,042Cash toward the purchase price.
Closing costs + prepaids$19,229Not just lender fees.
Before credits & paid funds$530,271The complete starting cash picture.
Estimated remaining funds due at closing
$530,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$511,041.83
Your down payment$511,041.83
Closing costs + prepaids$19,229.45
Total buyer cash needed$530,271.28
Remaining funds due$530,271.28
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,694.79
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,125.00
Prepaid interest, first (28 days)$691.66
Fees + prepaids$19,229.45
Your down payment is the seller’s equity. You take over the $338,958 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $530,271.28 is due at closing. Uses and sources reconcile at $869,229.45 each. Not a Closing Disclosure.