Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$440,017Cash toward the purchase price.
Closing costs + prepaids$19,193Not just lender fees.
Before credits & paid funds$459,210The complete starting cash picture.
Estimated remaining funds due at closing
$459,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,017.28
Your down payment$440,017.28
Closing costs + prepaids$19,193.07
Total buyer cash needed$459,210.35
Remaining funds due$459,210.35
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%)$2,299.41
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)$230.01
Prepaid interest, first (10 days)$366.65
Fees + prepaids$19,193.07
Your down payment is the seller’s equity. You take over the $459,883 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $459,210.35 is due at closing. Uses and sources reconcile at $919,093.07 each. Not a Closing Disclosure.