Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$462,094Cash toward the purchase price.
Closing costs + prepaids$18,855Not just lender fees.
Before credits & paid funds$480,949The complete starting cash picture.
Estimated remaining funds due at closing
$480,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$462,094.17
Your down payment$462,094.17
Closing costs + prepaids$18,854.55
Total buyer cash needed$480,948.72
Remaining funds due$480,948.72
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%)$2,184.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,078.75
Initial HOA (3 months)$174.99
Prepaid interest, first (6 days)$208.28
Fees + prepaids$18,854.55
Your down payment is the seller’s equity. You take over the $436,906 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $480,948.72 is due at closing. Uses and sources reconcile at $917,854.55 each. Not a Closing Disclosure.