Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$205,969Cash toward the purchase price.
Closing costs + prepaids$24,807Not just lender fees.
Before credits & paid funds$230,776The complete starting cash picture.
Estimated remaining funds due at closing
$230,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,968.60
Your down payment$205,968.60
Closing costs + prepaids$24,807.18
Total buyer cash needed$230,775.78
Remaining funds due$230,775.78
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,465.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,247.50
Initial HOA (3 months)$282.00
Prepaid interest, first (28 days)$3,604.52
Fees + prepaids$24,807.18
Your down payment is the seller’s equity. You take over the $693,031 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $230,775.78 is due at closing. Uses and sources reconcile at $923,807.18 each. Not a Closing Disclosure.