Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$514,567Cash toward the purchase price.
Closing costs + prepaids$17,514Not just lender fees.
Before credits & paid funds$532,082The complete starting cash picture.
Estimated remaining funds due at closing
$532,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$514,567.38
Your down payment$514,567.38
Closing costs + prepaids$17,514.47
Total buyer cash needed$532,081.85
Remaining funds due$532,081.85
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%)$8,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,522.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,329.25
Prepaid interest, first (22 days)$255.06
Fees + prepaids$17,514.47
Your down payment is the seller’s equity. You take over the $304,433 balance, so the rest of the $819,000 price is paid at closing. A second mortgage can cover part of it. $532,081.85 is due at closing. Uses and sources reconcile at $836,514.47 each. Not a Closing Disclosure.