Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$318,951Cash toward the purchase price.
Closing costs + prepaids$18,214Not just lender fees.
Before credits & paid funds$337,165The complete starting cash picture.
Estimated remaining funds due at closing
$337,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,951.03
Your down payment$318,951.03
Closing costs + prepaids$18,213.68
Total buyer cash needed$337,164.71
Remaining funds due$337,164.71
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%)$2,530.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$990.00
Prepaid interest, first (6 days)$225.43
Fees + prepaids$18,213.68
Your down payment is the seller’s equity. You take over the $506,049 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $337,164.71 is due at closing. Uses and sources reconcile at $843,213.68 each. Not a Closing Disclosure.