Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$256,568Cash toward the purchase price.
Closing costs + prepaids$22,452Not just lender fees.
Before credits & paid funds$279,021The complete starting cash picture.
Estimated remaining funds due at closing
$279,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,568.27
Your down payment$256,568.27
Closing costs + prepaids$22,452.47
Total buyer cash needed$279,020.74
Remaining funds due$279,020.74
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%)$8,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,892.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,815.25
Initial HOA (3 months)$566.01
Prepaid interest, first (23 days)$1,611.05
Fees + prepaids$22,452.47
Your down payment is the seller’s equity. You take over the $578,432 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $279,020.74 is due at closing. Uses and sources reconcile at $857,452.47 each. Not a Closing Disclosure.