Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$270,680Cash toward the purchase price.
Closing costs + prepaids$19,240Not just lender fees.
Before credits & paid funds$289,920The complete starting cash picture.
Estimated remaining funds due at closing
$289,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,680.07
Your down payment$270,680.07
Closing costs + prepaids$19,239.53
Total buyer cash needed$289,919.59
Remaining funds due$289,919.59
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,771.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$990.00
Prepaid interest, first (10 days)$1,009.93
Fees + prepaids$19,239.53
Your down payment is the seller’s equity. You take over the $554,320 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $289,919.59 is due at closing. Uses and sources reconcile at $844,239.53 each. Not a Closing Disclosure.