Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$322,494Cash toward the purchase price.
Closing costs + prepaids$19,934Not just lender fees.
Before credits & paid funds$342,429The complete starting cash picture.
Estimated remaining funds due at closing
$342,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,494.48
Your down payment$322,494.48
Closing costs + prepaids$19,934.38
Total buyer cash needed$342,428.85
Remaining funds due$342,428.85
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%)$8,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,612.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$859.75
Initial HOA (3 months)$291.00
Prepaid interest, first (28 days)$1,503.10
Fees + prepaids$19,934.38
Your down payment is the seller’s equity. You take over the $522,506 balance, so the rest of the $845,000 price is paid at closing. A second mortgage can cover part of it. $342,428.85 is due at closing. Uses and sources reconcile at $864,934.38 each. Not a Closing Disclosure.