Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$271,909Cash toward the purchase price.
Closing costs + prepaids$19,665Not just lender fees.
Before credits & paid funds$291,574The complete starting cash picture.
Estimated remaining funds due at closing
$291,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,908.59
Your down payment$271,908.59
Closing costs + prepaids$19,665.08
Total buyer cash needed$291,573.66
Remaining funds due$291,573.66
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%)$8,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,985.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,042.75
Initial HOA (3 months)$270.99
Prepaid interest, first (9 days)$457.88
Fees + prepaids$19,665.08
Your down payment is the seller’s equity. You take over the $597,091 balance, so the rest of the $869,000 price is paid at closing. A second mortgage can cover part of it. $291,573.66 is due at closing. Uses and sources reconcile at $888,665.08 each. Not a Closing Disclosure.