Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$266,826Cash toward the purchase price.
Closing costs + prepaids$20,670Not just lender fees.
Before credits & paid funds$287,495The complete starting cash picture.
Estimated remaining funds due at closing
$287,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,825.78
Your down payment$266,825.78
Closing costs + prepaids$20,669.65
Total buyer cash needed$287,495.43
Remaining funds due$287,495.43
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,915.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,836.75
Initial HOA (3 months)$33.75
Prepaid interest, first (2 days)$166.78
Fees + prepaids$20,669.65
Your down payment is the seller’s equity. You take over the $583,074 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $287,495.43 is due at closing. Uses and sources reconcile at $870,569.65 each. Not a Closing Disclosure.