Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$241,647Cash toward the purchase price.
Closing costs + prepaids$23,348Not just lender fees.
Before credits & paid funds$264,995The complete starting cash picture.
Estimated remaining funds due at closing
$264,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,646.57
Your down payment$241,646.57
Closing costs + prepaids$23,348.17
Total buyer cash needed$264,994.74
Remaining funds due$264,994.74
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%)$3,466.77
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,337.50
Initial HOA (3 months)$468.00
Prepaid interest, first (27 days)$1,507.90
Fees + prepaids$23,348.17
Your down payment is the seller’s equity. You take over the $693,353 balance, so the rest of the $935,000 price is paid at closing. A second mortgage can cover part of it. $264,994.74 is due at closing. Uses and sources reconcile at $958,348.17 each. Not a Closing Disclosure.