Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$545,360Cash toward the purchase price.
Closing costs + prepaids$18,497Not just lender fees.
Before credits & paid funds$563,857The complete starting cash picture.
Estimated remaining funds due at closing
$563,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$545,360.00
Your down payment$545,360.00
Closing costs + prepaids$18,496.60
Total buyer cash needed$563,856.60
Remaining funds due$563,856.60
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%)$9,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,773.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$742.00
Prepaid interest, first (27 days)$763.40
Fees + prepaids$18,496.60
Your down payment is the seller’s equity. You take over the $354,640 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $563,856.60 is due at closing. Uses and sources reconcile at $918,496.60 each. Not a Closing Disclosure.