Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$553,252Cash toward the purchase price.
Closing costs + prepaids$18,337Not just lender fees.
Before credits & paid funds$571,589The complete starting cash picture.
Estimated remaining funds due at closing
$571,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$553,251.93
Your down payment$553,251.93
Closing costs + prepaids$18,337.18
Total buyer cash needed$571,589.11
Remaining funds due$571,589.11
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%)$1,728.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,078.75
Prepaid interest, first (12 days)$321.69
Fees + prepaids$18,337.18
Your down payment is the seller’s equity. You take over the $345,748 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $571,589.11 is due at closing. Uses and sources reconcile at $917,337.18 each. Not a Closing Disclosure.