Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$209,492Cash toward the purchase price.
Closing costs + prepaids$22,593Not just lender fees.
Before credits & paid funds$232,085The complete starting cash picture.
Estimated remaining funds due at closing
$232,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,492.26
Your down payment$209,492.26
Closing costs + prepaids$22,592.54
Total buyer cash needed$232,084.80
Remaining funds due$232,084.80
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%)$8,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,152.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,856.50
Initial HOA (3 months)$288.00
Prepaid interest, first (25 days)$2,677.50
Fees + prepaids$22,592.54
Your down payment is the seller’s equity. You take over the $630,508 balance, so the rest of the $840,000 price is paid at closing. A second mortgage can cover part of it. $232,084.80 is due at closing. Uses and sources reconcile at $862,592.54 each. Not a Closing Disclosure.