Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$321,014Cash toward the purchase price.
Closing costs + prepaids$19,783Not just lender fees.
Before credits & paid funds$340,798The complete starting cash picture.
Estimated remaining funds due at closing
$340,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,014.50
Your down payment$321,014.50
Closing costs + prepaids$19,783.02
Total buyer cash needed$340,797.52
Remaining funds due$340,797.52
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%)$2,894.93
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)$590.09
Fees + prepaids$19,783.02
Your down payment is the seller’s equity. You take over the $578,986 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $340,797.52 is due at closing. Uses and sources reconcile at $919,783.02 each. Not a Closing Disclosure.