Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$240,429Cash toward the purchase price.
Closing costs + prepaids$20,113Not just lender fees.
Before credits & paid funds$260,542The complete starting cash picture.
Estimated remaining funds due at closing
$260,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,428.76
Your down payment$240,428.76
Closing costs + prepaids$20,113.00
Total buyer cash needed$260,541.75
Remaining funds due$260,541.75
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%)$8,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,967.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$724.00
Initial HOA (3 months)$99.99
Prepaid interest, first (26 days)$1,763.15
Fees + prepaids$20,113.00
Your down payment is the seller’s equity. You take over the $593,571 balance, so the rest of the $834,000 price is paid at closing. A second mortgage can cover part of it. $260,541.75 is due at closing. Uses and sources reconcile at $854,113.00 each. Not a Closing Disclosure.