Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$608,009Cash toward the purchase price.
Closing costs + prepaids$17,957Not just lender fees.
Before credits & paid funds$625,966The complete starting cash picture.
Estimated remaining funds due at closing
$625,966No 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$17,957.17
Total buyer cash needed$625,965.72
Remaining funds due$625,965.72
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)$654.25
Initial HOA (3 months)$62.49
Prepaid interest, first (29 days)$712.47
Fees + prepaids$17,957.17
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. $625,965.72 is due at closing. Uses and sources reconcile at $907,957.17 each. Not a Closing Disclosure.