Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$390,723Cash toward the purchase price.
Closing costs + prepaids$19,921Not just lender fees.
Before credits & paid funds$410,644The complete starting cash picture.
Estimated remaining funds due at closing
$410,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$390,722.59
Your down payment$390,722.59
Closing costs + prepaids$19,921.14
Total buyer cash needed$410,643.73
Remaining funds due$410,643.73
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%)$2,541.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,066.00
Initial HOA (3 months)$30.00
Prepaid interest, first (2 days)$75.75
Fees + prepaids$19,921.14
Your down payment is the seller’s equity. You take over the $508,277 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $410,643.73 is due at closing. Uses and sources reconcile at $918,921.14 each. Not a Closing Disclosure.