Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$338,083Cash toward the purchase price.
Closing costs + prepaids$21,355Not just lender fees.
Before credits & paid funds$359,438The complete starting cash picture.
Estimated remaining funds due at closing
$359,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,083.24
Your down payment$338,083.24
Closing costs + prepaids$21,355.06
Total buyer cash needed$359,438.30
Remaining funds due$359,438.30
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%)$8,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,809.53
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)$1,077.63
Fees + prepaids$21,355.06
Your down payment is the seller’s equity. You take over the $561,907 balance, so the rest of the $899,990 price is paid at closing. A second mortgage can cover part of it. $359,438.30 is due at closing. Uses and sources reconcile at $921,345.06 each. Not a Closing Disclosure.