Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$263,502Cash toward the purchase price.
Closing costs + prepaids$19,870Not just lender fees.
Before credits & paid funds$283,372The complete starting cash picture.
Estimated remaining funds due at closing
$283,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,501.73
Your down payment$263,501.73
Closing costs + prepaids$19,870.30
Total buyer cash needed$283,372.02
Remaining funds due$283,372.02
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%)$3,177.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$791.75
Initial HOA (3 months)$575.01
Prepaid interest, first (1 days)$118.05
Fees + prepaids$19,870.30
Your down payment is the seller’s equity. You take over the $635,498 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $283,372.02 is due at closing. Uses and sources reconcile at $918,870.30 each. Not a Closing Disclosure.