Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$545,233Cash toward the purchase price.
Closing costs + prepaids$18,810Not just lender fees.
Before credits & paid funds$564,044The complete starting cash picture.
Estimated remaining funds due at closing
$564,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$545,233.47
Your down payment$545,233.47
Closing costs + prepaids$18,810.15
Total buyer cash needed$564,043.62
Remaining funds due$564,043.62
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,773.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$617.25
Prepaid interest, first (28 days)$1,202.56
Fees + prepaids$18,810.15
Your down payment is the seller’s equity. You take over the $354,667 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $564,043.62 is due at closing. Uses and sources reconcile at $918,710.15 each. Not a Closing Disclosure.