Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$272,439Cash toward the purchase price.
Closing costs + prepaids$20,589Not just lender fees.
Before credits & paid funds$293,028The complete starting cash picture.
Estimated remaining funds due at closing
$293,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,438.71
Your down payment$272,438.71
Closing costs + prepaids$20,589.03
Total buyer cash needed$293,027.74
Remaining funds due$293,027.74
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%)$8,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,812.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$217.25
Prepaid interest, first (31 days)$2,990.98
Fees + prepaids$20,589.03
Your down payment is the seller’s equity. You take over the $562,561 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $293,027.74 is due at closing. Uses and sources reconcile at $855,589.03 each. Not a Closing Disclosure.