Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$232,486Cash toward the purchase price.
Closing costs + prepaids$19,470Not just lender fees.
Before credits & paid funds$251,956The complete starting cash picture.
Estimated remaining funds due at closing
$251,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,485.90
Your down payment$232,485.90
Closing costs + prepaids$19,470.35
Total buyer cash needed$251,956.25
Remaining funds due$251,956.25
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%)$8,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,287.57
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 (2 days)$241.03
Fees + prepaids$19,470.35
Your down payment is the seller’s equity. You take over the $657,514 balance, so the rest of the $890,000 price is paid at closing. A second mortgage can cover part of it. $251,956.25 is due at closing. Uses and sources reconcile at $909,470.35 each. Not a Closing Disclosure.