Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$366,934Cash toward the purchase price.
Closing costs + prepaids$22,474Not just lender fees.
Before credits & paid funds$389,407The complete starting cash picture.
Estimated remaining funds due at closing
$389,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,933.55
Your down payment$366,933.55
Closing costs + prepaids$22,473.70
Total buyer cash needed$389,407.25
Remaining funds due$389,407.25
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%)$2,660.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,987.00
Initial HOA (3 months)$534.99
Prepaid interest, first (2 days)$83.38
Fees + prepaids$22,473.70
Your down payment is the seller’s equity. You take over the $532,066 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $389,407.25 is due at closing. Uses and sources reconcile at $921,473.70 each. Not a Closing Disclosure.