Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$344,933Cash toward the purchase price.
Closing costs + prepaids$19,801Not just lender fees.
Before credits & paid funds$364,734The complete starting cash picture.
Estimated remaining funds due at closing
$364,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,932.77
Your down payment$344,932.77
Closing costs + prepaids$19,800.93
Total buyer cash needed$364,733.70
Remaining funds due$364,733.70
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%)$8,999.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,775.31
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$149.25
Initial HOA (3 months)$452.49
Prepaid interest, first (26 days)$1,205.93
Fees + prepaids$19,800.93
Your down payment is the seller’s equity. You take over the $555,062 balance, so the rest of the $899,995 price is paid at closing. A second mortgage can cover part of it. $364,733.70 is due at closing. Uses and sources reconcile at $919,795.93 each. Not a Closing Disclosure.