Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$354,573Cash toward the purchase price.
Closing costs + prepaids$19,530Not just lender fees.
Before credits & paid funds$374,103The complete starting cash picture.
Estimated remaining funds due at closing
$374,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$354,573.13
Your down payment$354,573.13
Closing costs + prepaids$19,529.86
Total buyer cash needed$374,102.99
Remaining funds due$374,102.99
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%)$2,672.13
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$598.00
Initial HOA (3 months)$200.01
Prepaid interest, first (26 days)$951.72
Fees + prepaids$19,529.86
Your down payment is the seller’s equity. You take over the $534,427 balance, so the rest of the $889,000 price is paid at closing. A second mortgage can cover part of it. $374,102.99 is due at closing. Uses and sources reconcile at $908,529.86 each. Not a Closing Disclosure.