Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$381,661Cash toward the purchase price.
Closing costs + prepaids$20,105Not just lender fees.
Before credits & paid funds$401,766The complete starting cash picture.
Estimated remaining funds due at closing
$401,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,661.47
Your down payment$381,661.47
Closing costs + prepaids$20,104.56
Total buyer cash needed$401,766.03
Remaining funds due$401,766.03
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%)$2,591.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$786.75
Initial HOA (3 months)$116.76
Prepaid interest, first (30 days)$1,392.85
Fees + prepaids$20,104.56
Your down payment is the seller’s equity. You take over the $518,239 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $401,766.03 is due at closing. Uses and sources reconcile at $920,004.56 each. Not a Closing Disclosure.