Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$518,982Cash toward the purchase price.
Closing costs + prepaids$18,309Not just lender fees.
Before credits & paid funds$537,290The complete starting cash picture.
Estimated remaining funds due at closing
$537,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$518,981.74
Your down payment$518,981.74
Closing costs + prepaids$18,308.65
Total buyer cash needed$537,290.39
Remaining funds due$537,290.39
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,530.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,186.50
Initial HOA (3 months)$455.01
Prepaid interest, first (19 days)$669.05
Fees + prepaids$18,308.65
Your down payment is the seller’s equity. You take over the $306,018 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $537,290.39 is due at closing. Uses and sources reconcile at $843,308.65 each. Not a Closing Disclosure.