Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$598,265Cash toward the purchase price.
Closing costs + prepaids$18,448Not just lender fees.
Before credits & paid funds$616,712The complete starting cash picture.
Estimated remaining funds due at closing
$616,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$598,264.51
Your down payment$598,264.51
Closing costs + prepaids$18,447.53
Total buyer cash needed$616,712.04
Remaining funds due$616,712.04
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%)$1,508.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,216.25
Prepaid interest, first (28 days)$504.60
Fees + prepaids$18,447.53
Your down payment is the seller’s equity. You take over the $301,735 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $616,712.04 is due at closing. Uses and sources reconcile at $918,447.53 each. Not a Closing Disclosure.