Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$272,234Cash toward the purchase price.
Closing costs + prepaids$19,623Not just lender fees.
Before credits & paid funds$291,857The complete starting cash picture.
Estimated remaining funds due at closing
$291,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,234.42
Your down payment$272,234.42
Closing costs + prepaids$19,622.86
Total buyer cash needed$291,857.28
Remaining funds due$291,857.28
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%)$8,439.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,858.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,012.75
Prepaid interest, first (10 days)$1,094.78
Fees + prepaids$19,622.86
Your down payment is the seller’s equity. You take over the $571,666 balance, so the rest of the $843,900 price is paid at closing. A second mortgage can cover part of it. $291,857.28 is due at closing. Uses and sources reconcile at $863,522.86 each. Not a Closing Disclosure.