Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$378,509Cash toward the purchase price.
Closing costs + prepaids$20,798Not just lender fees.
Before credits & paid funds$399,307The complete starting cash picture.
Estimated remaining funds due at closing
$399,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$378,508.81
Your down payment$378,508.81
Closing costs + prepaids$20,798.11
Total buyer cash needed$399,306.92
Remaining funds due$399,306.92
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%)$8,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,552.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,376.25
Initial HOA (3 months)$360.00
Prepaid interest, first (30 days)$1,401.40
Fees + prepaids$20,798.11
Your down payment is the seller’s equity. You take over the $510,491 balance, so the rest of the $889,000 price is paid at closing. A second mortgage can cover part of it. $399,306.92 is due at closing. Uses and sources reconcile at $909,798.11 each. Not a Closing Disclosure.