Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$504,340Cash toward the purchase price.
Closing costs + prepaids$19,035Not just lender fees.
Before credits & paid funds$523,375The complete starting cash picture.
Estimated remaining funds due at closing
$523,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$504,339.90
Your down payment$504,339.90
Closing costs + prepaids$19,035.23
Total buyer cash needed$523,375.13
Remaining funds due$523,375.13
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,973.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$982.00
Prepaid interest, first (28 days)$871.93
Fees + prepaids$19,035.23
Your down payment is the seller’s equity. You take over the $394,660 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $523,375.13 is due at closing. Uses and sources reconcile at $918,035.23 each. Not a Closing Disclosure.