Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$462,094Cash toward the purchase price.
Closing costs + prepaids$19,574Not just lender fees.
Before credits & paid funds$481,668The complete starting cash picture.
Estimated remaining funds due at closing
$481,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$462,094.17
Your down payment$462,094.17
Closing costs + prepaids$19,573.60
Total buyer cash needed$481,667.77
Remaining funds due$481,667.77
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%)$2,184.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,138.25
Initial HOA (3 months)$174.99
Prepaid interest, first (25 days)$867.83
Fees + prepaids$19,573.60
Your down payment is the seller’s equity. You take over the $436,906 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $481,667.77 is due at closing. Uses and sources reconcile at $918,573.60 each. Not a Closing Disclosure.