Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$263,476Cash toward the purchase price.
Closing costs + prepaids$21,020Not just lender fees.
Before credits & paid funds$284,497The complete starting cash picture.
Estimated remaining funds due at closing
$284,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,476.18
Your down payment$263,476.18
Closing costs + prepaids$21,020.46
Total buyer cash needed$284,496.64
Remaining funds due$284,496.64
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%)$8,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,157.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,633.25
Prepaid interest, first (1 days)$61.60
Fees + prepaids$21,020.46
Your down payment is the seller’s equity. You take over the $631,524 balance, so the rest of the $895,000 price is paid at closing. A second mortgage can cover part of it. $284,496.64 is due at closing. Uses and sources reconcile at $916,020.46 each. Not a Closing Disclosure.