Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$385,505Cash toward the purchase price.
Closing costs + prepaids$19,687Not just lender fees.
Before credits & paid funds$405,192The complete starting cash picture.
Estimated remaining funds due at closing
$405,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,504.66
Your down payment$385,504.66
Closing costs + prepaids$19,686.87
Total buyer cash needed$405,191.54
Remaining funds due$405,191.54
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%)$2,571.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$762.00
Prepaid interest, first (26 days)$1,135.90
Fees + prepaids$19,686.87
Your down payment is the seller’s equity. You take over the $514,395 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $405,191.54 is due at closing. Uses and sources reconcile at $919,586.87 each. Not a Closing Disclosure.