Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$587,432Cash toward the purchase price.
Closing costs + prepaids$19,485Not just lender fees.
Before credits & paid funds$606,917The complete starting cash picture.
Estimated remaining funds due at closing
$606,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$587,432.30
Your down payment$587,432.30
Closing costs + prepaids$19,485.04
Total buyer cash needed$606,917.34
Remaining funds due$606,917.34
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%)$1,557.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,247.50
Prepaid interest, first (18 days)$471.70
Fees + prepaids$19,485.04
Your down payment is the seller’s equity. You take over the $311,568 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $606,917.34 is due at closing. Uses and sources reconcile at $918,485.04 each. Not a Closing Disclosure.