Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$264,363Cash toward the purchase price.
Closing costs + prepaids$18,836Not just lender fees.
Before credits & paid funds$283,199The complete starting cash picture.
Estimated remaining funds due at closing
$283,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,362.61
Your down payment$264,362.61
Closing costs + prepaids$18,836.49
Total buyer cash needed$283,199.10
Remaining funds due$283,199.10
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%)$8,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,728.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$972.00
Prepaid interest, first (17 days)$818.31
Fees + prepaids$18,836.49
Your down payment is the seller’s equity. You take over the $545,637 balance, so the rest of the $810,000 price is paid at closing. A second mortgage can cover part of it. $283,199.10 is due at closing. Uses and sources reconcile at $828,836.49 each. Not a Closing Disclosure.