Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$249,829Cash toward the purchase price.
Closing costs + prepaids$20,852Not just lender fees.
Before credits & paid funds$270,681The complete starting cash picture.
Estimated remaining funds due at closing
$270,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,829.16
Your down payment$249,829.16
Closing costs + prepaids$20,851.58
Total buyer cash needed$270,680.73
Remaining funds due$270,680.73
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%)$3,245.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,078.75
Prepaid interest, first (12 days)$1,318.97
Fees + prepaids$20,851.58
Your down payment is the seller’s equity. You take over the $649,171 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $270,680.73 is due at closing. Uses and sources reconcile at $919,851.58 each. Not a Closing Disclosure.