Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$300,308Cash toward the purchase price.
Closing costs + prepaids$19,955Not just lender fees.
Before credits & paid funds$320,263The complete starting cash picture.
Estimated remaining funds due at closing
$320,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,307.77
Your down payment$300,307.77
Closing costs + prepaids$19,955.40
Total buyer cash needed$320,263.17
Remaining funds due$320,263.17
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%)$8,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,947.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,112.50
Prepaid interest, first (16 days)$777.94
Fees + prepaids$19,955.40
Your down payment is the seller’s equity. You take over the $589,592 balance, so the rest of the $889,900 price is paid at closing. A second mortgage can cover part of it. $320,263.17 is due at closing. Uses and sources reconcile at $909,855.40 each. Not a Closing Disclosure.