Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$282,502Cash toward the purchase price.
Closing costs + prepaids$21,999Not just lender fees.
Before credits & paid funds$304,501The complete starting cash picture.
Estimated remaining funds due at closing
$304,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,501.51
Your down payment$282,501.51
Closing costs + prepaids$21,999.10
Total buyer cash needed$304,500.60
Remaining funds due$304,500.60
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%)$8,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,782.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,097.50
Prepaid interest, first (27 days)$2,511.10
Fees + prepaids$21,999.10
Your down payment is the seller’s equity. You take over the $556,498 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $304,500.60 is due at closing. Uses and sources reconcile at $860,999.10 each. Not a Closing Disclosure.