Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$811,384Cash toward the purchase price.
Closing costs + prepaids$16,722Not just lender fees.
Before credits & paid funds$828,106The complete starting cash picture.
Estimated remaining funds due at closing
$828,106No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$811,384.17
Your down payment$811,384.17
Closing costs + prepaids$16,722.06
Total buyer cash needed$828,106.23
Remaining funds due$828,106.23
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%)$8,749.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$318.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,050.00
Initial HOA (3 months)$339.00
Prepaid interest, first (9 days)$47.05
Fees + prepaids$16,722.06
Your down payment is the seller’s equity. You take over the $63,611 balance, so the rest of the $874,995 price is paid at closing. A second mortgage can cover part of it. $828,106.23 is due at closing. Uses and sources reconcile at $891,717.06 each. Not a Closing Disclosure.