Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$238,489Cash toward the purchase price.
Closing costs + prepaids$20,312Not just lender fees.
Before credits & paid funds$258,801The complete starting cash picture.
Estimated remaining funds due at closing
$258,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,488.67
Your down payment$238,488.67
Closing costs + prepaids$20,312.06
Total buyer cash needed$258,800.73
Remaining funds due$258,800.73
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%)$8,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,277.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,055.00
Initial HOA (3 months)$722.01
Prepaid interest, first (2 days)$99.49
Fees + prepaids$20,312.06
Your down payment is the seller’s equity. You take over the $655,511 balance, so the rest of the $894,000 price is paid at closing. A second mortgage can cover part of it. $258,800.73 is due at closing. Uses and sources reconcile at $914,312.06 each. Not a Closing Disclosure.