Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$308,932Cash toward the purchase price.
Closing costs + prepaids$20,995Not just lender fees.
Before credits & paid funds$329,927The complete starting cash picture.
Estimated remaining funds due at closing
$329,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,931.58
Your down payment$308,931.58
Closing costs + prepaids$20,995.10
Total buyer cash needed$329,926.67
Remaining funds due$329,926.67
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%)$8,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,850.34
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,234.25
Initial HOA (3 months)$450.00
Prepaid interest, first (31 days)$1,452.50
Fees + prepaids$20,995.10
Your down payment is the seller’s equity. You take over the $570,068 balance, so the rest of the $879,000 price is paid at closing. A second mortgage can cover part of it. $329,926.67 is due at closing. Uses and sources reconcile at $899,995.10 each. Not a Closing Disclosure.