Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$300,848Cash toward the purchase price.
Closing costs + prepaids$22,877Not just lender fees.
Before credits & paid funds$323,724The complete starting cash picture.
Estimated remaining funds due at closing
$323,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,847.56
Your down payment$300,847.56
Closing costs + prepaids$22,876.93
Total buyer cash needed$323,724.49
Remaining funds due$323,724.49
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,995.26
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$855.00
Initial HOA (3 months)$690.00
Prepaid interest, first (27 days)$3,119.67
Fees + prepaids$22,876.93
Your down payment is the seller’s equity. You take over the $599,052 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $323,724.49 is due at closing. Uses and sources reconcile at $922,776.93 each. Not a Closing Disclosure.