Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$277,879Cash toward the purchase price.
Closing costs + prepaids$21,380Not just lender fees.
Before credits & paid funds$299,259The complete starting cash picture.
Estimated remaining funds due at closing
$299,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,879.33
Your down payment$277,879.33
Closing costs + prepaids$21,379.80
Total buyer cash needed$299,259.13
Remaining funds due$299,259.13
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%)$9,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,295.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,124.50
Prepaid interest, first (12 days)$1,371.69
Fees + prepaids$21,379.80
Your down payment is the seller’s equity. You take over the $659,121 balance, so the rest of the $937,000 price is paid at closing. A second mortgage can cover part of it. $299,259.13 is due at closing. Uses and sources reconcile at $958,379.80 each. Not a Closing Disclosure.