Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$266,965Cash toward the purchase price.
Closing costs + prepaids$19,797Not just lender fees.
Before credits & paid funds$286,762The complete starting cash picture.
Estimated remaining funds due at closing
$286,762No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,964.68
Your down payment$266,964.68
Closing costs + prepaids$19,797.10
Total buyer cash needed$286,761.78
Remaining funds due$286,761.78
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%)$3,160.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$33.25
Prepaid interest, first (26 days)$1,395.67
Fees + prepaids$19,797.10
Your down payment is the seller’s equity. You take over the $632,035 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $286,761.78 is due at closing. Uses and sources reconcile at $918,797.10 each. Not a Closing Disclosure.