Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$253,138Cash toward the purchase price.
Closing costs + prepaids$20,797Not just lender fees.
Before credits & paid funds$273,935The complete starting cash picture.
Estimated remaining funds due at closing
$273,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,138.07
Your down payment$253,138.07
Closing costs + prepaids$20,796.54
Total buyer cash needed$273,934.61
Remaining funds due$273,934.61
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,979.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$755.00
Prepaid interest, first (23 days)$2,354.23
Fees + prepaids$20,796.54
Your down payment is the seller’s equity. You take over the $595,862 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $273,934.61 is due at closing. Uses and sources reconcile at $869,796.54 each. Not a Closing Disclosure.