Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$536,827Cash toward the purchase price.
Closing costs + prepaids$20,759Not just lender fees.
Before credits & paid funds$557,586The complete starting cash picture.
Estimated remaining funds due at closing
$557,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$536,827.16
Your down payment$536,827.16
Closing costs + prepaids$20,758.56
Total buyer cash needed$557,585.73
Remaining funds due$557,585.73
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%)$1,810.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,259.25
Initial HOA (3 months)$513.00
Prepaid interest, first (30 days)$967.45
Fees + prepaids$20,758.56
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $557,585.73 is due at closing. Uses and sources reconcile at $919,758.56 each. Not a Closing Disclosure.