Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$275,571Cash toward the purchase price.
Closing costs + prepaids$23,136Not just lender fees.
Before credits & paid funds$298,707The complete starting cash picture.
Estimated remaining funds due at closing
$298,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,570.78
Your down payment$275,570.78
Closing costs + prepaids$23,135.78
Total buyer cash needed$298,706.56
Remaining funds due$298,706.56
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%)$9,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,297.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,093.50
Initial HOA (3 months)$104.01
Prepaid interest, first (27 days)$3,073.12
Fees + prepaids$23,135.78
Your down payment is the seller’s equity. You take over the $659,429 balance, so the rest of the $935,000 price is paid at closing. A second mortgage can cover part of it. $298,706.56 is due at closing. Uses and sources reconcile at $958,135.78 each. Not a Closing Disclosure.