Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$587,596Cash toward the purchase price.
Closing costs + prepaids$18,156Not just lender fees.
Before credits & paid funds$605,752The complete starting cash picture.
Estimated remaining funds due at closing
$605,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$587,596.17
Your down payment$587,596.17
Closing costs + prepaids$18,156.03
Total buyer cash needed$605,752.20
Remaining funds due$605,752.20
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%)$1,557.02
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 (10 days)$312.26
Fees + prepaids$18,156.03
Your down payment is the seller’s equity. You take over the $311,404 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $605,752.20 is due at closing. Uses and sources reconcile at $917,156.03 each. Not a Closing Disclosure.