Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$228,230Cash toward the purchase price.
Closing costs + prepaids$21,463Not just lender fees.
Before credits & paid funds$249,693The complete starting cash picture.
Estimated remaining funds due at closing
$249,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,230.32
Your down payment$228,230.32
Closing costs + prepaids$21,462.78
Total buyer cash needed$249,693.09
Remaining funds due$249,693.09
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%)$8,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,283.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$451.75
Initial HOA (3 months)$372.00
Prepaid interest, first (19 days)$2,287.18
Fees + prepaids$21,462.78
Your down payment is the seller’s equity. You take over the $656,770 balance, so the rest of the $885,000 price is paid at closing. A second mortgage can cover part of it. $249,693.09 is due at closing. Uses and sources reconcile at $906,462.78 each. Not a Closing Disclosure.