Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$270,041Cash toward the purchase price.
Closing costs + prepaids$22,508Not just lender fees.
Before credits & paid funds$292,549The complete starting cash picture.
Estimated remaining funds due at closing
$292,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,041.06
Your down payment$270,041.06
Closing costs + prepaids$22,508.31
Total buyer cash needed$292,549.37
Remaining funds due$292,549.37
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%)$8,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,019.79
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,185.00
Prepaid interest, first (27 days)$2,345.51
Fees + prepaids$22,508.31
Your down payment is the seller’s equity. You take over the $603,959 balance, so the rest of the $874,000 price is paid at closing. A second mortgage can cover part of it. $292,549.37 is due at closing. Uses and sources reconcile at $896,508.31 each. Not a Closing Disclosure.