Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$513,802Cash toward the purchase price.
Closing costs + prepaids$18,915Not just lender fees.
Before credits & paid funds$532,717The complete starting cash picture.
Estimated remaining funds due at closing
$532,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$513,801.90
Your down payment$513,801.90
Closing costs + prepaids$18,915.35
Total buyer cash needed$532,717.25
Remaining funds due$532,717.25
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%)$8,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,905.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,074.00
Initial HOA (3 months)$507.00
Prepaid interest, first (9 days)$260.36
Fees + prepaids$18,915.35
Your down payment is the seller’s equity. You take over the $381,198 balance, so the rest of the $895,000 price is paid at closing. A second mortgage can cover part of it. $532,717.25 is due at closing. Uses and sources reconcile at $913,915.35 each. Not a Closing Disclosure.