Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$314,466Cash toward the purchase price.
Closing costs + prepaids$19,753Not just lender fees.
Before credits & paid funds$334,219The complete starting cash picture.
Estimated remaining funds due at closing
$334,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,466.19
Your down payment$314,466.19
Closing costs + prepaids$19,753.04
Total buyer cash needed$334,219.23
Remaining funds due$334,219.23
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%)$8,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,502.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,018.75
Initial HOA (3 months)$318.00
Prepaid interest, first (17 days)$1,545.62
Fees + prepaids$19,753.04
Your down payment is the seller’s equity. You take over the $500,534 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $334,219.23 is due at closing. Uses and sources reconcile at $834,753.04 each. Not a Closing Disclosure.