Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$211,819Cash toward the purchase price.
Closing costs + prepaids$21,144Not just lender fees.
Before credits & paid funds$232,963The complete starting cash picture.
Estimated remaining funds due at closing
$232,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,819.36
Your down payment$211,819.36
Closing costs + prepaids$21,143.94
Total buyer cash needed$232,963.30
Remaining funds due$232,963.30
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%)$9,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,440.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,099.25
Prepaid interest, first (25 days)$1,385.79
Fees + prepaids$21,143.94
Your down payment is the seller’s equity. You take over the $688,181 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $232,963.30 is due at closing. Uses and sources reconcile at $921,143.94 each. Not a Closing Disclosure.