Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$346,374Cash toward the purchase price.
Closing costs + prepaids$20,241Not just lender fees.
Before credits & paid funds$366,615The complete starting cash picture.
Estimated remaining funds due at closing
$366,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,373.90
Your down payment$346,373.90
Closing costs + prepaids$20,241.50
Total buyer cash needed$366,615.40
Remaining funds due$366,615.40
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%)$8,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,617.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$752.75
Prepaid interest, first (26 days)$1,954.11
Fees + prepaids$20,241.50
Your down payment is the seller’s equity. You take over the $523,526 balance, so the rest of the $869,900 price is paid at closing. A second mortgage can cover part of it. $366,615.40 is due at closing. Uses and sources reconcile at $890,141.50 each. Not a Closing Disclosure.