Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$634,825Cash toward the purchase price.
Closing costs + prepaids$16,549Not just lender fees.
Before credits & paid funds$651,374The complete starting cash picture.
Estimated remaining funds due at closing
$651,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$634,825.17
Your down payment$634,825.17
Closing costs + prepaids$16,549.24
Total buyer cash needed$651,374.42
Remaining funds due$651,374.42
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%)$8,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$900.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$743.25
Prepaid interest, first (31 days)$537.12
Fees + prepaids$16,549.24
Your down payment is the seller’s equity. You take over the $180,175 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $651,374.42 is due at closing. Uses and sources reconcile at $831,549.24 each. Not a Closing Disclosure.