Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$534,727Cash toward the purchase price.
Closing costs + prepaids$17,451Not just lender fees.
Before credits & paid funds$552,178The complete starting cash picture.
Estimated remaining funds due at closing
$552,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$534,727.15
Your down payment$534,727.15
Closing costs + prepaids$17,450.71
Total buyer cash needed$552,177.86
Remaining funds due$552,177.86
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%)$1,451.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$990.00
Initial HOA (3 months)$162.00
Prepaid interest, first (18 days)$379.34
Fees + prepaids$17,450.71
Your down payment is the seller’s equity. You take over the $290,273 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $552,177.86 is due at closing. Uses and sources reconcile at $842,450.71 each. Not a Closing Disclosure.