Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$320,467Cash toward the purchase price.
Closing costs + prepaids$18,658Not just lender fees.
Before credits & paid funds$339,126The complete starting cash picture.
Estimated remaining funds due at closing
$339,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,467.42
Your down payment$320,467.42
Closing costs + prepaids$18,658.18
Total buyer cash needed$339,125.59
Remaining funds due$339,125.59
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%)$8,375.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,585.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,005.00
Initial HOA (3 months)$90.00
Prepaid interest, first (9 days)$385.01
Fees + prepaids$18,658.18
Your down payment is the seller’s equity. You take over the $517,033 balance, so the rest of the $837,500 price is paid at closing. A second mortgage can cover part of it. $339,125.59 is due at closing. Uses and sources reconcile at $856,158.18 each. Not a Closing Disclosure.