Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$267,714Cash toward the purchase price.
Closing costs + prepaids$22,497Not just lender fees.
Before credits & paid funds$290,210The complete starting cash picture.
Estimated remaining funds due at closing
$290,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,713.52
Your down payment$267,713.52
Closing costs + prepaids$22,496.69
Total buyer cash needed$290,210.21
Remaining funds due$290,210.21
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,910.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,836.75
Initial HOA (3 months)$33.75
Prepaid interest, first (24 days)$1,998.26
Fees + prepaids$22,496.69
Your down payment is the seller’s equity. You take over the $582,186 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $290,210.21 is due at closing. Uses and sources reconcile at $872,396.69 each. Not a Closing Disclosure.