Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$487,906Cash toward the purchase price.
Closing costs + prepaids$19,049Not just lender fees.
Before credits & paid funds$506,955The complete starting cash picture.
Estimated remaining funds due at closing
$506,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$487,905.96
Your down payment$487,905.96
Closing costs + prepaids$19,048.95
Total buyer cash needed$506,954.91
Remaining funds due$506,954.91
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%)$2,059.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$612.75
Initial HOA (3 months)$105.99
Prepaid interest, first (31 days)$1,053.24
Fees + prepaids$19,048.95
Your down payment is the seller’s equity. You take over the $411,994 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $506,954.91 is due at closing. Uses and sources reconcile at $918,948.95 each. Not a Closing Disclosure.