Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$365,722Cash toward the purchase price.
Closing costs + prepaids$20,427Not just lender fees.
Before credits & paid funds$386,150The complete starting cash picture.
Estimated remaining funds due at closing
$386,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,722.47
Your down payment$365,722.47
Closing costs + prepaids$20,427.12
Total buyer cash needed$386,149.59
Remaining funds due$386,149.59
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%)$2,670.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,080.00
Initial HOA (3 months)$330.00
Prepaid interest, first (12 days)$1,129.24
Fees + prepaids$20,427.12
Your down payment is the seller’s equity. You take over the $534,178 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $386,149.59 is due at closing. Uses and sources reconcile at $920,327.12 each. Not a Closing Disclosure.