Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$503,785Cash toward the purchase price.
Closing costs + prepaids$18,740Not just lender fees.
Before credits & paid funds$522,525The complete starting cash picture.
Estimated remaining funds due at closing
$522,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$503,784.85
Your down payment$503,784.85
Closing costs + prepaids$18,740.22
Total buyer cash needed$522,525.07
Remaining funds due$522,525.07
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%)$8,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,706.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,460.50
Initial HOA (3 months)$140.01
Prepaid interest, first (26 days)$765.63
Fees + prepaids$18,740.22
Your down payment is the seller’s equity. You take over the $341,215 balance, so the rest of the $845,000 price is paid at closing. A second mortgage can cover part of it. $522,525.07 is due at closing. Uses and sources reconcile at $863,740.22 each. Not a Closing Disclosure.