Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$497,995Cash toward the purchase price.
Closing costs + prepaids$18,907Not just lender fees.
Before credits & paid funds$516,902The complete starting cash picture.
Estimated remaining funds due at closing
$516,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$497,995.09
Your down payment$497,995.09
Closing costs + prepaids$18,906.72
Total buyer cash needed$516,901.81
Remaining funds due$516,901.81
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%)$8,388.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,704.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,584.75
Initial HOA (3 months)$270.00
Prepaid interest, first (26 days)$740.62
Fees + prepaids$18,906.72
Your down payment is the seller’s equity. You take over the $340,893 balance, so the rest of the $838,888 price is paid at closing. A second mortgage can cover part of it. $516,901.81 is due at closing. Uses and sources reconcile at $857,794.72 each. Not a Closing Disclosure.