Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$232,958Cash toward the purchase price.
Closing costs + prepaids$23,376Not just lender fees.
Before credits & paid funds$256,334The complete starting cash picture.
Estimated remaining funds due at closing
$256,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,958.25
Your down payment$232,958.25
Closing costs + prepaids$23,376.01
Total buyer cash needed$256,334.26
Remaining funds due$256,334.26
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,085.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,540.00
Prepaid interest, first (26 days)$3,032.80
Fees + prepaids$23,376.01
Your down payment is the seller’s equity. You take over the $617,042 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $256,334.26 is due at closing. Uses and sources reconcile at $873,376.01 each. Not a Closing Disclosure.