Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$264,752Cash toward the purchase price.
Closing costs + prepaids$22,366Not just lender fees.
Before credits & paid funds$287,119The complete starting cash picture.
Estimated remaining funds due at closing
$287,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,752.24
Your down payment$264,752.24
Closing costs + prepaids$22,366.32
Total buyer cash needed$287,118.55
Remaining funds due$287,118.55
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%)$8,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,151.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,633.25
Prepaid interest, first (23 days)$1,413.83
Fees + prepaids$22,366.32
Your down payment is the seller’s equity. You take over the $630,248 balance, so the rest of the $895,000 price is paid at closing. A second mortgage can cover part of it. $287,118.55 is due at closing. Uses and sources reconcile at $917,366.32 each. Not a Closing Disclosure.