Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$296,934Cash toward the purchase price.
Closing costs + prepaids$21,292Not just lender fees.
Before credits & paid funds$318,226The complete starting cash picture.
Estimated remaining funds due at closing
$318,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,933.80
Your down payment$296,933.80
Closing costs + prepaids$21,292.25
Total buyer cash needed$318,226.05
Remaining funds due$318,226.05
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,010.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$969.75
Initial HOA (3 months)$519.00
Prepaid interest, first (31 days)$1,585.17
Fees + prepaids$21,292.25
Your down payment is the seller’s equity. You take over the $602,066 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $318,226.05 is due at closing. Uses and sources reconcile at $920,292.25 each. Not a Closing Disclosure.