Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$252,191Cash toward the purchase price.
Closing costs + prepaids$19,271Not just lender fees.
Before credits & paid funds$271,461The complete starting cash picture.
Estimated remaining funds due at closing
$271,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,190.61
Your down payment$252,190.61
Closing costs + prepaids$19,270.81
Total buyer cash needed$271,461.42
Remaining funds due$271,461.42
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%)$3,234.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$687.00
Prepaid interest, first (2 days)$141.77
Fees + prepaids$19,270.81
Your down payment is the seller’s equity. You take over the $646,809 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $271,461.42 is due at closing. Uses and sources reconcile at $918,270.81 each. Not a Closing Disclosure.