Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$301,962Cash toward the purchase price.
Closing costs + prepaids$22,530Not just lender fees.
Before credits & paid funds$324,491The complete starting cash picture.
Estimated remaining funds due at closing
$324,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,961.72
Your down payment$301,961.72
Closing costs + prepaids$22,529.66
Total buyer cash needed$324,491.37
Remaining funds due$324,491.37
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%)$8,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,935.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,222.50
Initial HOA (3 months)$972.00
Prepaid interest, first (29 days)$1,291.97
Fees + prepaids$22,529.66
Your down payment is the seller’s equity. You take over the $587,038 balance, so the rest of the $889,000 price is paid at closing. A second mortgage can cover part of it. $324,491.37 is due at closing. Uses and sources reconcile at $911,529.66 each. Not a Closing Disclosure.