Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$287,095Cash toward the purchase price.
Closing costs + prepaids$22,261Not just lender fees.
Before credits & paid funds$309,356The complete starting cash picture.
Estimated remaining funds due at closing
$309,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,095.02
Your down payment$287,095.02
Closing costs + prepaids$22,260.88
Total buyer cash needed$309,355.90
Remaining funds due$309,355.90
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%)$8,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,009.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$626.25
Prepaid interest, first (31 days)$3,517.10
Fees + prepaids$22,260.88
Your down payment is the seller’s equity. You take over the $601,905 balance, so the rest of the $889,000 price is paid at closing. A second mortgage can cover part of it. $309,355.90 is due at closing. Uses and sources reconcile at $911,260.88 each. Not a Closing Disclosure.