Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$29,536Cash toward the purchase price.
Closing costs + prepaids$26,057Not just lender fees.
Before credits & paid funds$55,593The complete starting cash picture.
Estimated remaining funds due at closing
$55,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,535.96
Your down payment$29,535.96
Closing costs + prepaids$26,057.21
Total buyer cash needed$55,593.17
Remaining funds due$55,593.17
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%)$4,352.32
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 (27 days)$4,236.89
Fees + prepaids$26,057.21
Your down payment is the seller’s equity. You take over the $870,464 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $55,593.17 is due at closing. Uses and sources reconcile at $926,057.21 each. Not a Closing Disclosure.