Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$608,009Cash toward the purchase price.
Closing costs + prepaids$18,076Not just lender fees.
Before credits & paid funds$626,085The complete starting cash picture.
Estimated remaining funds due at closing
$626,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$608,008.55
Your down payment$608,008.55
Closing costs + prepaids$18,076.10
Total buyer cash needed$626,084.65
Remaining funds due$626,084.65
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%)$1,409.96
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)$62.49
Prepaid interest, first (17 days)$417.66
Fees + prepaids$18,076.10
Your down payment is the seller’s equity. You take over the $281,991 balance, so the rest of the $890,000 price is paid at closing. A second mortgage can cover part of it. $626,084.65 is due at closing. Uses and sources reconcile at $908,076.10 each. Not a Closing Disclosure.