Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$239,014Cash toward the purchase price.
Closing costs + prepaids$26,677Not just lender fees.
Before credits & paid funds$265,692The complete starting cash picture.
Estimated remaining funds due at closing
$265,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,014.48
Your down payment$239,014.48
Closing costs + prepaids$26,677.19
Total buyer cash needed$265,691.67
Remaining funds due$265,691.67
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%)$10,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,254.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,725.00
Initial HOA (3 months)$660.00
Prepaid interest, first (28 days)$1,919.26
Fees + prepaids$26,677.19
Your down payment is the seller’s equity. You take over the $850,986 balance, so the rest of the $1,090,000 price is paid at closing. A second mortgage can cover part of it. $265,691.67 is due at closing. Uses and sources reconcile at $1,116,677.19 each. Not a Closing Disclosure.