Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$540,142Cash toward the purchase price.
Closing costs + prepaids$20,522Not just lender fees.
Before credits & paid funds$560,664The complete starting cash picture.
Estimated remaining funds due at closing
$560,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$540,141.65
Your down payment$540,141.65
Closing costs + prepaids$20,522.39
Total buyer cash needed$560,664.04
Remaining funds due$560,664.04
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%)$9,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,899.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,300.00
Initial HOA (3 months)$112.50
Prepaid interest, first (28 days)$792.60
Fees + prepaids$20,522.39
Your down payment is the seller’s equity. You take over the $379,858 balance, so the rest of the $920,000 price is paid at closing. A second mortgage can cover part of it. $560,664.04 is due at closing. Uses and sources reconcile at $940,522.39 each. Not a Closing Disclosure.