Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$240,946Cash toward the purchase price.
Closing costs + prepaids$22,954Not just lender fees.
Before credits & paid funds$263,900The complete starting cash picture.
Estimated remaining funds due at closing
$263,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,945.62
Your down payment$240,945.62
Closing costs + prepaids$22,954.06
Total buyer cash needed$263,899.69
Remaining funds due$263,899.69
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%)$8,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,095.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,150.00
Initial HOA (3 months)$1,440.00
Prepaid interest, first (26 days)$1,450.79
Fees + prepaids$22,954.06
Your down payment is the seller’s equity. You take over the $619,054 balance, so the rest of the $860,000 price is paid at closing. A second mortgage can cover part of it. $263,899.69 is due at closing. Uses and sources reconcile at $882,954.06 each. Not a Closing Disclosure.