Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$608,009Cash toward the purchase price.
Closing costs + prepaids$17,982Not just lender fees.
Before credits & paid funds$625,990The complete starting cash picture.
Estimated remaining funds due at closing
$625,990No 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$17,981.74
Total buyer cash needed$625,990.29
Remaining funds due$625,990.29
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 (30 days)$737.04
Fees + prepaids$17,981.74
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. $625,990.29 is due at closing. Uses and sources reconcile at $907,981.74 each. Not a Closing Disclosure.