Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$484,332Cash toward the purchase price.
Closing costs + prepaids$17,672Not just lender fees.
Before credits & paid funds$502,004The complete starting cash picture.
Estimated remaining funds due at closing
$502,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$484,332.14
Your down payment$484,332.14
Closing costs + prepaids$17,671.59
Total buyer cash needed$502,003.73
Remaining funds due$502,003.73
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%)$1,703.34
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)$200.01
Prepaid interest, first (12 days)$310.24
Fees + prepaids$17,671.59
Your down payment is the seller’s equity. You take over the $340,668 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $502,003.73 is due at closing. Uses and sources reconcile at $842,671.59 each. Not a Closing Disclosure.