Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$606,795Cash toward the purchase price.
Closing costs + prepaids$16,594Not just lender fees.
Before credits & paid funds$623,389The complete starting cash picture.
Estimated remaining funds due at closing
$623,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$606,794.85
Your down payment$606,794.85
Closing costs + prepaids$16,594.46
Total buyer cash needed$623,389.31
Remaining funds due$623,389.31
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%)$8,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,066.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$596.00
Initial HOA (3 months)$93.75
Prepaid interest, first (26 days)$420.69
Fees + prepaids$16,594.46
Your down payment is the seller’s equity. You take over the $213,205 balance, so the rest of the $820,000 price is paid at closing. A second mortgage can cover part of it. $623,389.31 is due at closing. Uses and sources reconcile at $836,594.46 each. Not a Closing Disclosure.