Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$224,357Cash toward the purchase price.
Closing costs + prepaids$21,056Not just lender fees.
Before credits & paid funds$245,413The complete starting cash picture.
Estimated remaining funds due at closing
$245,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,357.37
Your down payment$224,357.37
Closing costs + prepaids$21,056.06
Total buyer cash needed$245,413.43
Remaining funds due$245,413.43
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,373.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,247.50
Prepaid interest, first (2 days)$227.35
Fees + prepaids$21,056.06
Your down payment is the seller’s equity. You take over the $674,643 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $245,413.43 is due at closing. Uses and sources reconcile at $920,056.06 each. Not a Closing Disclosure.