Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$382,560Cash toward the purchase price.
Closing costs + prepaids$21,258Not just lender fees.
Before credits & paid funds$403,818The complete starting cash picture.
Estimated remaining funds due at closing
$403,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,559.82
Your down payment$382,559.82
Closing costs + prepaids$21,258.28
Total buyer cash needed$403,818.10
Remaining funds due$403,818.10
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%)$2,587.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$873.25
Prepaid interest, first (27 days)$2,579.83
Fees + prepaids$21,258.28
Your down payment is the seller’s equity. You take over the $517,440 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $403,818.10 is due at closing. Uses and sources reconcile at $921,258.28 each. Not a Closing Disclosure.