Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$270,608Cash toward the purchase price.
Closing costs + prepaids$21,503Not just lender fees.
Before credits & paid funds$292,111The complete starting cash picture.
Estimated remaining funds due at closing
$292,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,608.02
Your down payment$270,608.02
Closing costs + prepaids$21,502.59
Total buyer cash needed$292,110.61
Remaining funds due$292,110.61
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,396.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,140.00
Initial HOA (3 months)$141.99
Prepaid interest, first (9 days)$1,105.64
Fees + prepaids$21,502.59
Your down payment is the seller’s equity. You take over the $679,392 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $292,110.61 is due at closing. Uses and sources reconcile at $971,502.59 each. Not a Closing Disclosure.