Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$413,323Cash toward the purchase price.
Closing costs + prepaids$20,081Not just lender fees.
Before credits & paid funds$433,404The complete starting cash picture.
Estimated remaining funds due at closing
$433,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$413,322.76
Your down payment$413,322.76
Closing costs + prepaids$20,080.80
Total buyer cash needed$433,403.56
Remaining funds due$433,403.56
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%)$2,432.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,197.75
Initial HOA (3 months)$300.00
Prepaid interest, first (25 days)$933.16
Fees + prepaids$20,080.80
Your down payment is the seller’s equity. You take over the $486,577 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $433,403.56 is due at closing. Uses and sources reconcile at $919,980.80 each. Not a Closing Disclosure.