Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$382,560Cash toward the purchase price.
Closing costs + prepaids$20,032Not just lender fees.
Before credits & paid funds$402,592The complete starting cash picture.
Estimated remaining funds due at closing
$402,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,559.82
Your down payment$382,559.82
Closing costs + prepaids$20,031.79
Total buyer cash needed$402,591.61
Remaining funds due$402,591.61
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%)$2,587.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,080.00
Prepaid interest, first (12 days)$1,146.59
Fees + prepaids$20,031.79
Your down payment is the seller’s equity. You take over the $517,440 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $402,591.61 is due at closing. Uses and sources reconcile at $920,031.79 each. Not a Closing Disclosure.