Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$386,958Cash toward the purchase price.
Closing costs + prepaids$19,344Not just lender fees.
Before credits & paid funds$406,303The complete starting cash picture.
Estimated remaining funds due at closing
$406,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,958.26
Your down payment$386,958.26
Closing costs + prepaids$19,344.46
Total buyer cash needed$406,302.71
Remaining funds due$406,302.71
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%)$8,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,510.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$676.50
Prepaid interest, first (24 days)$1,049.75
Fees + prepaids$19,344.46
Your down payment is the seller’s equity. You take over the $502,042 balance, so the rest of the $889,000 price is paid at closing. A second mortgage can cover part of it. $406,302.71 is due at closing. Uses and sources reconcile at $908,344.46 each. Not a Closing Disclosure.