Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$271,564Cash toward the purchase price.
Closing costs + prepaids$19,956Not just lender fees.
Before credits & paid funds$291,520The complete starting cash picture.
Estimated remaining funds due at closing
$291,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,564.31
Your down payment$271,564.31
Closing costs + prepaids$19,955.92
Total buyer cash needed$291,520.23
Remaining funds due$291,520.23
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%)$8,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,817.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$347.25
Prepaid interest, first (26 days)$2,223.49
Fees + prepaids$19,955.92
Your down payment is the seller’s equity. You take over the $563,436 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $291,520.23 is due at closing. Uses and sources reconcile at $854,955.92 each. Not a Closing Disclosure.