Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$253,429Cash toward the purchase price.
Closing costs + prepaids$20,364Not just lender fees.
Before credits & paid funds$273,793The complete starting cash picture.
Estimated remaining funds due at closing
$273,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,429.00
Your down payment$253,429.00
Closing costs + prepaids$20,363.58
Total buyer cash needed$273,792.58
Remaining funds due$273,792.58
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%)$3,227.85
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)$848.97
Fees + prepaids$20,363.58
Your down payment is the seller’s equity. You take over the $645,571 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $273,792.58 is due at closing. Uses and sources reconcile at $919,363.58 each. Not a Closing Disclosure.