Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$293,210Cash toward the purchase price.
Closing costs + prepaids$23,687Not just lender fees.
Before credits & paid funds$316,896The complete starting cash picture.
Estimated remaining funds due at closing
$316,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,209.53
Your down payment$293,209.53
Closing costs + prepaids$23,686.53
Total buyer cash needed$316,896.06
Remaining funds due$316,896.06
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%)$9,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,108.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,287.50
Initial HOA (3 months)$1,440.00
Prepaid interest, first (25 days)$1,482.08
Fees + prepaids$23,686.53
Your down payment is the seller’s equity. You take over the $621,790 balance, so the rest of the $915,000 price is paid at closing. A second mortgage can cover part of it. $316,896.06 is due at closing. Uses and sources reconcile at $938,686.53 each. Not a Closing Disclosure.