Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$234,077Cash toward the purchase price.
Closing costs + prepaids$22,050Not just lender fees.
Before credits & paid funds$256,126The complete starting cash picture.
Estimated remaining funds due at closing
$256,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,076.54
Your down payment$234,076.54
Closing costs + prepaids$22,049.55
Total buyer cash needed$256,126.08
Remaining funds due$256,126.08
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%)$8,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,179.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,175.00
Initial HOA (3 months)$411.00
Prepaid interest, first (28 days)$1,365.93
Fees + prepaids$22,049.55
Your down payment is the seller’s equity. You take over the $635,923 balance, so the rest of the $870,000 price is paid at closing. A second mortgage can cover part of it. $256,126.08 is due at closing. Uses and sources reconcile at $892,049.55 each. Not a Closing Disclosure.