Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$217,266Cash toward the purchase price.
Closing costs + prepaids$23,613Not just lender fees.
Before credits & paid funds$240,879The complete starting cash picture.
Estimated remaining funds due at closing
$240,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,266.28
Your down payment$217,266.28
Closing costs + prepaids$23,612.86
Total buyer cash needed$240,879.14
Remaining funds due$240,879.14
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,413.17
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,297.00
Initial HOA (3 months)$525.00
Prepaid interest, first (26 days)$3,160.69
Fees + prepaids$23,612.86
Your down payment is the seller’s equity. You take over the $682,634 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $240,879.14 is due at closing. Uses and sources reconcile at $923,512.86 each. Not a Closing Disclosure.