Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$593,797Cash toward the purchase price.
Closing costs + prepaids$17,615Not just lender fees.
Before credits & paid funds$611,412The complete starting cash picture.
Estimated remaining funds due at closing
$611,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$593,797.02
Your down payment$593,797.02
Closing costs + prepaids$17,614.83
Total buyer cash needed$611,411.85
Remaining funds due$611,411.85
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,280.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,062.50
Initial HOA (3 months)$84.99
Prepaid interest, first (18 days)$469.83
Fees + prepaids$17,614.83
Your down payment is the seller’s equity. You take over the $256,103 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $611,411.85 is due at closing. Uses and sources reconcile at $867,514.83 each. Not a Closing Disclosure.