Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$548,252Cash toward the purchase price.
Closing costs + prepaids$20,105Not just lender fees.
Before credits & paid funds$568,357The complete starting cash picture.
Estimated remaining funds due at closing
$568,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$548,252.07
Your down payment$548,252.07
Closing costs + prepaids$20,105.23
Total buyer cash needed$568,357.31
Remaining funds due$568,357.31
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,753.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,247.50
Prepaid interest, first (28 days)$895.99
Fees + prepaids$20,105.23
Your down payment is the seller’s equity. You take over the $350,748 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $568,357.31 is due at closing. Uses and sources reconcile at $919,105.23 each. Not a Closing Disclosure.