Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$551,292Cash toward the purchase price.
Closing costs + prepaids$18,685Not just lender fees.
Before credits & paid funds$569,977The complete starting cash picture.
Estimated remaining funds due at closing
$569,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$551,292.15
Your down payment$551,292.15
Closing costs + prepaids$18,685.18
Total buyer cash needed$569,977.33
Remaining funds due$569,977.33
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%)$1,738.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$917.00
Prepaid interest, first (25 days)$821.64
Fees + prepaids$18,685.18
Your down payment is the seller’s equity. You take over the $347,708 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $569,977.33 is due at closing. Uses and sources reconcile at $917,685.18 each. Not a Closing Disclosure.