Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$586,647Cash toward the purchase price.
Closing costs + prepaids$17,318Not just lender fees.
Before credits & paid funds$603,965The complete starting cash picture.
Estimated remaining funds due at closing
$603,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$586,647.06
Your down payment$586,647.06
Closing costs + prepaids$17,318.21
Total buyer cash needed$603,965.27
Remaining funds due$603,965.27
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,311.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,061.25
Prepaid interest, first (15 days)$237.20
Fees + prepaids$17,318.21
Your down payment is the seller’s equity. You take over the $262,353 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $603,965.27 is due at closing. Uses and sources reconcile at $866,318.21 each. Not a Closing Disclosure.