Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$286,654Cash toward the purchase price.
Closing costs + prepaids$20,360Not just lender fees.
Before credits & paid funds$307,014The complete starting cash picture.
Estimated remaining funds due at closing
$307,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,653.69
Your down payment$286,653.69
Closing costs + prepaids$20,360.18
Total buyer cash needed$307,013.86
Remaining funds due$307,013.86
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%)$8,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,666.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,049.75
Prepaid interest, first (28 days)$1,227.20
Fees + prepaids$20,360.18
Your down payment is the seller’s equity. You take over the $533,246 balance, so the rest of the $819,900 price is paid at closing. A second mortgage can cover part of it. $307,013.86 is due at closing. Uses and sources reconcile at $840,260.18 each. Not a Closing Disclosure.