Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$297,482Cash toward the purchase price.
Closing costs + prepaids$21,068Not just lender fees.
Before credits & paid funds$318,550The complete starting cash picture.
Estimated remaining funds due at closing
$318,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,482.02
Your down payment$297,482.02
Closing costs + prepaids$21,067.94
Total buyer cash needed$318,549.96
Remaining funds due$318,549.96
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%)$8,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,637.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$859.25
Initial HOA (3 months)$76.50
Prepaid interest, first (31 days)$3,028.10
Fees + prepaids$21,067.94
Your down payment is the seller’s equity. You take over the $527,418 balance, so the rest of the $824,900 price is paid at closing. A second mortgage can cover part of it. $318,549.96 is due at closing. Uses and sources reconcile at $845,967.94 each. Not a Closing Disclosure.