Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$403,602Cash toward the purchase price.
Closing costs + prepaids$21,004Not just lender fees.
Before credits & paid funds$424,606The complete starting cash picture.
Estimated remaining funds due at closing
$424,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$403,602.45
Your down payment$403,602.45
Closing costs + prepaids$21,003.71
Total buyer cash needed$424,606.16
Remaining funds due$424,606.16
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%)$9,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,481.99
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 (26 days)$1,053.72
Fees + prepaids$21,003.71
Your down payment is the seller’s equity. You take over the $496,398 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $424,606.16 is due at closing. Uses and sources reconcile at $921,003.71 each. Not a Closing Disclosure.