Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$518,043Cash toward the purchase price.
Closing costs + prepaids$19,181Not just lender fees.
Before credits & paid funds$537,224The complete starting cash picture.
Estimated remaining funds due at closing
$537,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$518,043.27
Your down payment$518,043.27
Closing costs + prepaids$19,180.50
Total buyer cash needed$537,223.77
Remaining funds due$537,223.77
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%)$1,909.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,819.00
Initial HOA (3 months)$150.00
Prepaid interest, first (2 days)$83.72
Fees + prepaids$19,180.50
Your down payment is the seller’s equity. You take over the $381,957 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $537,223.77 is due at closing. Uses and sources reconcile at $919,180.50 each. Not a Closing Disclosure.