Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$260,773Cash toward the purchase price.
Closing costs + prepaids$23,439Not just lender fees.
Before credits & paid funds$284,212The complete starting cash picture.
Estimated remaining funds due at closing
$284,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,773.39
Your down payment$260,773.39
Closing costs + prepaids$23,438.89
Total buyer cash needed$284,212.27
Remaining funds due$284,212.27
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%)$8,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,116.13
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,210.00
Initial HOA (3 months)$1,740.00
Prepaid interest, first (28 days)$1,314.75
Fees + prepaids$23,438.89
Your down payment is the seller’s equity. You take over the $623,227 balance, so the rest of the $884,000 price is paid at closing. A second mortgage can cover part of it. $284,212.27 is due at closing. Uses and sources reconcile at $907,438.89 each. Not a Closing Disclosure.