Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$264,138Cash toward the purchase price.
Closing costs + prepaids$22,697Not just lender fees.
Before credits & paid funds$286,836The complete starting cash picture.
Estimated remaining funds due at closing
$286,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,138.39
Your down payment$264,138.39
Closing costs + prepaids$22,697.26
Total buyer cash needed$286,835.65
Remaining funds due$286,835.65
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,174.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$791.75
Initial HOA (3 months)$575.01
Prepaid interest, first (25 days)$2,948.19
Fees + prepaids$22,697.26
Your down payment is the seller’s equity. You take over the $634,862 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $286,835.65 is due at closing. Uses and sources reconcile at $921,697.26 each. Not a Closing Disclosure.