Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$538,290Cash toward the purchase price.
Closing costs + prepaids$17,992Not just lender fees.
Before credits & paid funds$556,282The complete starting cash picture.
Estimated remaining funds due at closing
$556,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$538,290.08
Your down payment$538,290.08
Closing costs + prepaids$17,991.77
Total buyer cash needed$556,281.85
Remaining funds due$556,281.85
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%)$1,433.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,230.25
Prepaid interest, first (28 days)$859.97
Fees + prepaids$17,991.77
Your down payment is the seller’s equity. You take over the $286,710 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $556,281.85 is due at closing. Uses and sources reconcile at $842,991.77 each. Not a Closing Disclosure.