Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$311,478Cash toward the purchase price.
Closing costs + prepaids$18,889Not just lender fees.
Before credits & paid funds$330,367The complete starting cash picture.
Estimated remaining funds due at closing
$330,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,478.50
Your down payment$311,478.50
Closing costs + prepaids$18,888.58
Total buyer cash needed$330,367.07
Remaining funds due$330,367.07
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%)$8,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,617.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,002.00
Initial HOA (3 months)$315.00
Prepaid interest, first (9 days)$385.97
Fees + prepaids$18,888.58
Your down payment is the seller’s equity. You take over the $523,522 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $330,367.07 is due at closing. Uses and sources reconcile at $853,888.58 each. Not a Closing Disclosure.