Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$387,936Cash toward the purchase price.
Closing costs + prepaids$19,894Not just lender fees.
Before credits & paid funds$407,830The complete starting cash picture.
Estimated remaining funds due at closing
$407,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$387,936.26
Your down payment$387,936.26
Closing costs + prepaids$19,893.60
Total buyer cash needed$407,829.87
Remaining funds due$407,829.87
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%)$8,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,510.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,068.00
Initial HOA (3 months)$438.00
Prepaid interest, first (10 days)$759.29
Fees + prepaids$19,893.60
Your down payment is the seller’s equity. You take over the $502,064 balance, so the rest of the $890,000 price is paid at closing. A second mortgage can cover part of it. $407,829.87 is due at closing. Uses and sources reconcile at $909,893.60 each. Not a Closing Disclosure.