Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$489,655Cash toward the purchase price.
Closing costs + prepaids$18,217Not just lender fees.
Before credits & paid funds$507,872The complete starting cash picture.
Estimated remaining funds due at closing
$507,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$489,655.00
Your down payment$489,655.00
Closing costs + prepaids$18,216.87
Total buyer cash needed$507,871.87
Remaining funds due$507,871.87
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%)$2,051.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$670.75
Initial HOA (3 months)$215.01
Prepaid interest, first (2 days)$61.38
Fees + prepaids$18,216.87
Your down payment is the seller’s equity. You take over the $410,345 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $507,871.87 is due at closing. Uses and sources reconcile at $918,216.87 each. Not a Closing Disclosure.