Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$310,422Cash toward the purchase price.
Closing costs + prepaids$21,547Not just lender fees.
Before credits & paid funds$331,968The complete starting cash picture.
Estimated remaining funds due at closing
$331,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,421.76
Your down payment$310,421.76
Closing costs + prepaids$21,546.69
Total buyer cash needed$331,968.45
Remaining funds due$331,968.45
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%)$2,947.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$894.75
Initial HOA (3 months)$261.00
Prepaid interest, first (25 days)$2,225.05
Fees + prepaids$21,546.69
Your down payment is the seller’s equity. You take over the $589,578 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $331,968.45 is due at closing. Uses and sources reconcile at $921,546.69 each. Not a Closing Disclosure.