Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$212,567Cash toward the purchase price.
Closing costs + prepaids$23,483Not just lender fees.
Before credits & paid funds$236,050The complete starting cash picture.
Estimated remaining funds due at closing
$236,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,566.64
Your down payment$212,566.64
Closing costs + prepaids$23,483.26
Total buyer cash needed$236,049.91
Remaining funds due$236,049.91
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%)$3,382.17
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,222.50
Prepaid interest, first (23 days)$2,770.60
Fees + prepaids$23,483.26
Your down payment is the seller’s equity. You take over the $676,433 balance, so the rest of the $889,000 price is paid at closing. A second mortgage can cover part of it. $236,049.91 is due at closing. Uses and sources reconcile at $912,483.26 each. Not a Closing Disclosure.