Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$330,792Cash toward the purchase price.
Closing costs + prepaids$21,979Not just lender fees.
Before credits & paid funds$352,771The complete starting cash picture.
Estimated remaining funds due at closing
$352,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,792.32
Your down payment$330,792.32
Closing costs + prepaids$21,978.64
Total buyer cash needed$352,770.96
Remaining funds due$352,770.96
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%)$2,596.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,112.50
Initial HOA (3 months)$572.01
Prepaid interest, first (26 days)$980.09
Fees + prepaids$21,978.64
Your down payment is the seller’s equity. You take over the $519,208 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $352,770.96 is due at closing. Uses and sources reconcile at $871,978.64 each. Not a Closing Disclosure.