Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$303,712Cash toward the purchase price.
Closing costs + prepaids$20,674Not just lender fees.
Before credits & paid funds$324,386The complete starting cash picture.
Estimated remaining funds due at closing
$324,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,711.93
Your down payment$303,711.93
Closing costs + prepaids$20,673.67
Total buyer cash needed$324,385.60
Remaining funds due$324,385.60
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,980.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,294.75
Prepaid interest, first (4 days)$180.98
Fees + prepaids$20,673.67
Your down payment is the seller’s equity. You take over the $596,188 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $324,385.60 is due at closing. Uses and sources reconcile at $920,573.67 each. Not a Closing Disclosure.