Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$286,391Cash toward the purchase price.
Closing costs + prepaids$20,259Not just lender fees.
Before credits & paid funds$306,651The complete starting cash picture.
Estimated remaining funds due at closing
$306,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,391.31
Your down payment$286,391.31
Closing costs + prepaids$20,259.48
Total buyer cash needed$306,650.79
Remaining funds due$306,650.79
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%)$8,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,043.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,074.00
Prepaid interest, first (12 days)$974.44
Fees + prepaids$20,259.48
Your down payment is the seller’s equity. You take over the $608,609 balance, so the rest of the $895,000 price is paid at closing. A second mortgage can cover part of it. $306,650.79 is due at closing. Uses and sources reconcile at $915,259.48 each. Not a Closing Disclosure.