Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$264,485Cash toward the purchase price.
Closing costs + prepaids$20,268Not just lender fees.
Before credits & paid funds$284,753The complete starting cash picture.
Estimated remaining funds due at closing
$284,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,485.10
Your down payment$264,485.10
Closing costs + prepaids$20,267.61
Total buyer cash needed$284,752.71
Remaining funds due$284,752.71
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%)$8,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,922.57
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,061.25
Prepaid interest, first (15 days)$1,575.79
Fees + prepaids$20,267.61
Your down payment is the seller’s equity. You take over the $584,515 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $284,752.71 is due at closing. Uses and sources reconcile at $869,267.61 each. Not a Closing Disclosure.