Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$257,596Cash toward the purchase price.
Closing costs + prepaids$23,283Not just lender fees.
Before credits & paid funds$280,879The complete starting cash picture.
Estimated remaining funds due at closing
$280,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,596.11
Your down payment$257,596.11
Closing costs + prepaids$23,283.17
Total buyer cash needed$280,879.29
Remaining funds due$280,879.29
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%)$8,997.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,210.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,186.25
Initial HOA (3 months)$519.99
Prepaid interest, first (26 days)$3,151.41
Fees + prepaids$23,283.17
Your down payment is the seller’s equity. You take over the $642,104 balance, so the rest of the $899,700 price is paid at closing. A second mortgage can cover part of it. $280,879.29 is due at closing. Uses and sources reconcile at $922,983.17 each. Not a Closing Disclosure.