Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$312,922Cash toward the purchase price.
Closing costs + prepaids$19,882Not just lender fees.
Before credits & paid funds$332,803The complete starting cash picture.
Estimated remaining funds due at closing
$332,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,921.69
Your down payment$312,921.69
Closing costs + prepaids$19,881.50
Total buyer cash needed$332,803.19
Remaining funds due$332,803.19
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,685.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$135.00
Initial HOA (3 months)$339.00
Prepaid interest, first (20 days)$2,004.11
Fees + prepaids$19,881.50
Your down payment is the seller’s equity. You take over the $537,078 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $332,803.19 is due at closing. Uses and sources reconcile at $869,881.50 each. Not a Closing Disclosure.