Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$241,469Cash toward the purchase price.
Closing costs + prepaids$19,445Not just lender fees.
Before credits & paid funds$260,914The complete starting cash picture.
Estimated remaining funds due at closing
$260,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,469.01
Your down payment$241,469.01
Closing costs + prepaids$19,444.94
Total buyer cash needed$260,913.96
Remaining funds due$260,913.96
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%)$3,042.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,025.75
Initial HOA (3 months)$543.00
Prepaid interest, first (1 days)$115.54
Fees + prepaids$19,444.94
Your down payment is the seller’s equity. You take over the $608,531 balance, so the rest of the $850,000 price is paid at closing. A second mortgage can cover part of it. $260,913.96 is due at closing. Uses and sources reconcile at $869,444.94 each. Not a Closing Disclosure.