Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$415,264Cash toward the purchase price.
Closing costs + prepaids$19,658Not just lender fees.
Before credits & paid funds$434,922The complete starting cash picture.
Estimated remaining funds due at closing
$434,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$415,264.30
Your down payment$415,264.30
Closing costs + prepaids$19,657.87
Total buyer cash needed$434,922.17
Remaining funds due$434,922.17
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%)$2,418.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,078.75
Initial HOA (3 months)$597.00
Prepaid interest, first (9 days)$355.45
Fees + prepaids$19,657.87
Your down payment is the seller’s equity. You take over the $483,736 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $434,922.17 is due at closing. Uses and sources reconcile at $918,657.87 each. Not a Closing Disclosure.