Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$264,485Cash toward the purchase price.
Closing costs + prepaids$21,753Not just lender fees.
Before credits & paid funds$286,238The complete starting cash picture.
Estimated remaining funds due at closing
$286,238No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,485.10
Your down payment$264,485.10
Closing costs + prepaids$21,753.19
Total buyer cash needed$286,238.29
Remaining funds due$286,238.29
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,922.57
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,391.25
Prepaid interest, first (26 days)$2,731.37
Fees + prepaids$21,753.19
Your down payment is the seller’s equity. You take over the $584,515 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $286,238.29 is due at closing. Uses and sources reconcile at $870,753.19 each. Not a Closing Disclosure.