Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$500,401Cash toward the purchase price.
Closing costs + prepaids$16,738Not just lender fees.
Before credits & paid funds$517,139The complete starting cash picture.
Estimated remaining funds due at closing
$517,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$500,400.88
Your down payment$500,400.88
Closing costs + prepaids$16,738.25
Total buyer cash needed$517,139.13
Remaining funds due$517,139.13
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%)$1,598.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$251.00
Prepaid interest, first (18 days)$471.26
Fees + prepaids$16,738.25
Your down payment is the seller’s equity. You take over the $319,599 balance, so the rest of the $820,000 price is paid at closing. A second mortgage can cover part of it. $517,139.13 is due at closing. Uses and sources reconcile at $836,738.25 each. Not a Closing Disclosure.