Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$392,929Cash toward the purchase price.
Closing costs + prepaids$21,070Not just lender fees.
Before credits & paid funds$413,998The complete starting cash picture.
Estimated remaining funds due at closing
$413,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,928.80
Your down payment$392,928.80
Closing costs + prepaids$21,069.58
Total buyer cash needed$413,998.37
Remaining funds due$413,998.37
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%)$8,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,535.35
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,250.00
Prepaid interest, first (25 days)$1,066.24
Fees + prepaids$21,069.58
Your down payment is the seller’s equity. You take over the $507,070 balance, so the rest of the $899,999 price is paid at closing. A second mortgage can cover part of it. $413,998.37 is due at closing. Uses and sources reconcile at $921,068.58 each. Not a Closing Disclosure.