Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$371,563Cash toward the purchase price.
Closing costs + prepaids$21,166Not just lender fees.
Before credits & paid funds$392,730The complete starting cash picture.
Estimated remaining funds due at closing
$392,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,563.38
Your down payment$371,563.38
Closing costs + prepaids$21,166.35
Total buyer cash needed$392,729.73
Remaining funds due$392,729.73
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%)$9,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,642.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$811.75
Initial HOA (3 months)$330.00
Prepaid interest, first (23 days)$2,164.42
Fees + prepaids$21,166.35
Your down payment is the seller’s equity. You take over the $528,437 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $392,729.73 is due at closing. Uses and sources reconcile at $921,166.35 each. Not a Closing Disclosure.