Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$321,014Cash toward the purchase price.
Closing costs + prepaids$20,431Not just lender fees.
Before credits & paid funds$341,446The complete starting cash picture.
Estimated remaining funds due at closing
$341,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,014.50
Your down payment$321,014.50
Closing costs + prepaids$20,431.15
Total buyer cash needed$341,445.65
Remaining funds due$341,445.65
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%)$9,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,894.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$843.00
Prepaid interest, first (30 days)$1,475.22
Fees + prepaids$20,431.15
Your down payment is the seller’s equity. You take over the $578,986 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $341,445.65 is due at closing. Uses and sources reconcile at $920,431.15 each. Not a Closing Disclosure.