Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$287,160Cash toward the purchase price.
Closing costs + prepaids$21,825Not just lender fees.
Before credits & paid funds$308,984The complete starting cash picture.
Estimated remaining funds due at closing
$308,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,159.61
Your down payment$287,159.61
Closing costs + prepaids$21,824.87
Total buyer cash needed$308,984.48
Remaining funds due$308,984.48
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%)$8,695.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,911.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,173.75
Initial HOA (3 months)$723.00
Prepaid interest, first (26 days)$1,103.42
Fees + prepaids$21,824.87
Your down payment is the seller’s equity. You take over the $582,340 balance, so the rest of the $869,500 price is paid at closing. A second mortgage can cover part of it. $308,984.48 is due at closing. Uses and sources reconcile at $891,324.87 each. Not a Closing Disclosure.