Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$838,974Cash toward the purchase price.
Closing costs + prepaids$19,583Not just lender fees.
Before credits & paid funds$858,557The complete starting cash picture.
Estimated remaining funds due at closing
$858,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$838,973.87
Your down payment$838,973.87
Closing costs + prepaids$19,582.78
Total buyer cash needed$858,556.65
Remaining funds due$858,556.65
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%)$300.13
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,247.50
Initial HOA (3 months)$1,722.00
Prepaid interest, first (23 days)$105.15
Fees + prepaids$19,582.78
Your down payment is the seller’s equity. You take over the $60,026 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $858,556.65 is due at closing. Uses and sources reconcile at $918,582.78 each. Not a Closing Disclosure.