Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$593,175Cash toward the purchase price.
Closing costs + prepaids$17,094Not just lender fees.
Before credits & paid funds$610,269The complete starting cash picture.
Estimated remaining funds due at closing
$610,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$593,174.98
Your down payment$593,174.98
Closing costs + prepaids$17,093.84
Total buyer cash needed$610,268.82
Remaining funds due$610,268.82
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%)$1,159.13
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)$330.00
Prepaid interest, first (7 days)$146.72
Fees + prepaids$17,093.84
Your down payment is the seller’s equity. You take over the $231,825 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $610,268.82 is due at closing. Uses and sources reconcile at $842,093.84 each. Not a Closing Disclosure.