Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$612,828Cash toward the purchase price.
Closing costs + prepaids$17,354Not just lender fees.
Before credits & paid funds$630,182The complete starting cash picture.
Estimated remaining funds due at closing
$630,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$612,828.47
Your down payment$612,828.47
Closing costs + prepaids$17,353.53
Total buyer cash needed$630,182.01
Remaining funds due$630,182.01
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%)$1,185.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$861.75
Prepaid interest, first (26 days)$587.93
Fees + prepaids$17,353.53
Your down payment is the seller’s equity. You take over the $237,172 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $630,182.01 is due at closing. Uses and sources reconcile at $867,353.53 each. Not a Closing Disclosure.