Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$224,969Cash toward the purchase price.
Closing costs + prepaids$22,861Not just lender fees.
Before credits & paid funds$247,831The complete starting cash picture.
Estimated remaining funds due at closing
$247,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,969.35
Your down payment$224,969.35
Closing costs + prepaids$22,861.20
Total buyer cash needed$247,830.55
Remaining funds due$247,830.55
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,120.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,122.50
Prepaid interest, first (28 days)$2,910.55
Fees + prepaids$22,861.20
Your down payment is the seller’s equity. You take over the $624,031 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $247,830.55 is due at closing. Uses and sources reconcile at $871,861.20 each. Not a Closing Disclosure.