Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$270,680Cash toward the purchase price.
Closing costs + prepaids$19,744Not just lender fees.
Before credits & paid funds$290,424The complete starting cash picture.
Estimated remaining funds due at closing
$290,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,680.07
Your down payment$270,680.07
Closing costs + prepaids$19,743.97
Total buyer cash needed$290,424.03
Remaining funds due$290,424.03
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,771.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$686.50
Prepaid interest, first (18 days)$1,817.87
Fees + prepaids$19,743.97
Your down payment is the seller’s equity. You take over the $554,320 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $290,424.03 is due at closing. Uses and sources reconcile at $844,743.97 each. Not a Closing Disclosure.