Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$294,854Cash toward the purchase price.
Closing costs + prepaids$18,281Not just lender fees.
Before credits & paid funds$313,136The complete starting cash picture.
Estimated remaining funds due at closing
$313,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$294,854.22
Your down payment$294,854.22
Closing costs + prepaids$18,281.37
Total buyer cash needed$313,135.59
Remaining funds due$313,135.59
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%)$8,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,775.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$686.50
Prepaid interest, first (1 days)$101.14
Fees + prepaids$18,281.37
Your down payment is the seller’s equity. You take over the $555,146 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $313,135.59 is due at closing. Uses and sources reconcile at $868,281.37 each. Not a Closing Disclosure.