Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$297,482Cash toward the purchase price.
Closing costs + prepaids$20,677Not just lender fees.
Before credits & paid funds$318,159The complete starting cash picture.
Estimated remaining funds due at closing
$318,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,482.02
Your down payment$297,482.02
Closing costs + prepaids$20,677.22
Total buyer cash needed$318,159.24
Remaining funds due$318,159.24
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%)$8,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,637.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$859.25
Initial HOA (3 months)$76.50
Prepaid interest, first (27 days)$2,637.38
Fees + prepaids$20,677.22
Your down payment is the seller’s equity. You take over the $527,418 balance, so the rest of the $824,900 price is paid at closing. A second mortgage can cover part of it. $318,159.24 is due at closing. Uses and sources reconcile at $845,577.22 each. Not a Closing Disclosure.