Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$505,228Cash toward the purchase price.
Closing costs + prepaids$18,912Not just lender fees.
Before credits & paid funds$524,140The complete starting cash picture.
Estimated remaining funds due at closing
$524,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$505,227.72
Your down payment$505,227.72
Closing costs + prepaids$18,912.08
Total buyer cash needed$524,139.80
Remaining funds due$524,139.80
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%)$1,973.36
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)$317.76
Prepaid interest, first (7 days)$323.96
Fees + prepaids$18,912.08
Your down payment is the seller’s equity. You take over the $394,672 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $524,139.80 is due at closing. Uses and sources reconcile at $918,812.08 each. Not a Closing Disclosure.