Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$300,554Cash toward the purchase price.
Closing costs + prepaids$21,334Not just lender fees.
Before credits & paid funds$321,888The complete starting cash picture.
Estimated remaining funds due at closing
$321,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,554.32
Your down payment$300,554.32
Closing costs + prepaids$21,334.04
Total buyer cash needed$321,888.37
Remaining funds due$321,888.37
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%)$8,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,942.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,222.50
Initial HOA (3 months)$972.00
Prepaid interest, first (2 days)$89.31
Fees + prepaids$21,334.04
Your down payment is the seller’s equity. You take over the $588,446 balance, so the rest of the $889,000 price is paid at closing. A second mortgage can cover part of it. $321,888.37 is due at closing. Uses and sources reconcile at $910,334.04 each. Not a Closing Disclosure.