Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$272,582Cash toward the purchase price.
Closing costs + prepaids$23,580Not just lender fees.
Before credits & paid funds$296,162The complete starting cash picture.
Estimated remaining funds due at closing
$296,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,582.06
Your down payment$272,582.06
Closing costs + prepaids$23,580.27
Total buyer cash needed$296,162.34
Remaining funds due$296,162.34
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,132.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,247.50
Initial HOA (3 months)$960.00
Prepaid interest, first (18 days)$2,032.68
Fees + prepaids$23,580.27
Your down payment is the seller’s equity. You take over the $626,418 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $296,162.34 is due at closing. Uses and sources reconcile at $922,580.27 each. Not a Closing Disclosure.