Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$204,472Cash toward the purchase price.
Closing costs + prepaids$23,875Not just lender fees.
Before credits & paid funds$228,348The complete starting cash picture.
Estimated remaining funds due at closing
$228,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,472.33
Your down payment$204,472.33
Closing costs + prepaids$23,875.43
Total buyer cash needed$228,347.76
Remaining funds due$228,347.76
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%)$8,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,467.64
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,056.00
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$3,928.79
Fees + prepaids$23,875.43
Your down payment is the seller’s equity. You take over the $693,528 balance, so the rest of the $898,000 price is paid at closing. A second mortgage can cover part of it. $228,347.76 is due at closing. Uses and sources reconcile at $921,875.43 each. Not a Closing Disclosure.