Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$287,226Cash toward the purchase price.
Closing costs + prepaids$19,627Not just lender fees.
Before credits & paid funds$306,854The complete starting cash picture.
Estimated remaining funds due at closing
$306,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,226.29
Your down payment$287,226.29
Closing costs + prepaids$19,627.30
Total buyer cash needed$306,853.59
Remaining funds due$306,853.59
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%)$8,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,713.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,237.25
Initial HOA (3 months)$168.00
Prepaid interest, first (23 days)$991.68
Fees + prepaids$19,627.30
Your down payment is the seller’s equity. You take over the $542,674 balance, so the rest of the $829,900 price is paid at closing. A second mortgage can cover part of it. $306,853.59 is due at closing. Uses and sources reconcile at $849,527.30 each. Not a Closing Disclosure.