Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$245,317Cash toward the purchase price.
Closing costs + prepaids$19,900Not just lender fees.
Before credits & paid funds$265,218The complete starting cash picture.
Estimated remaining funds due at closing
$265,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,317.48
Your down payment$245,317.48
Closing costs + prepaids$19,900.18
Total buyer cash needed$265,217.66
Remaining funds due$265,217.66
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,018.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,122.50
Prepaid interest, first (1 days)$51.27
Fees + prepaids$19,900.18
Your down payment is the seller’s equity. You take over the $603,683 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $265,217.66 is due at closing. Uses and sources reconcile at $868,900.18 each. Not a Closing Disclosure.