Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$489,340Cash toward the purchase price.
Closing costs + prepaids$19,557Not just lender fees.
Before credits & paid funds$508,897The complete starting cash picture.
Estimated remaining funds due at closing
$508,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$489,340.49
Your down payment$489,340.49
Closing costs + prepaids$19,556.98
Total buyer cash needed$508,897.47
Remaining funds due$508,897.47
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%)$2,048.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$660.25
Prepaid interest, first (24 days)$1,640.43
Fees + prepaids$19,556.98
Your down payment is the seller’s equity. You take over the $409,660 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $508,897.47 is due at closing. Uses and sources reconcile at $918,556.98 each. Not a Closing Disclosure.