Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$347,874Cash toward the purchase price.
Closing costs + prepaids$19,591Not just lender fees.
Before credits & paid funds$367,465The complete starting cash picture.
Estimated remaining funds due at closing
$367,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$347,873.83
Your down payment$347,873.83
Closing costs + prepaids$19,590.68
Total buyer cash needed$367,464.51
Remaining funds due$367,464.51
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%)$2,755.63
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$574.50
Initial HOA (3 months)$12.51
Prepaid interest, first (24 days)$1,040.04
Fees + prepaids$19,590.68
Your down payment is the seller’s equity. You take over the $551,126 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $367,464.51 is due at closing. Uses and sources reconcile at $918,590.68 each. Not a Closing Disclosure.