Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$390,822Cash toward the purchase price.
Closing costs + prepaids$22,550Not just lender fees.
Before credits & paid funds$413,372The complete starting cash picture.
Estimated remaining funds due at closing
$413,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$390,822.47
Your down payment$390,822.47
Closing costs + prepaids$22,549.82
Total buyer cash needed$413,372.28
Remaining funds due$413,372.28
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,670.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,634.25
Initial HOA (3 months)$330.00
Prepaid interest, first (26 days)$2,446.68
Fees + prepaids$22,549.82
Your down payment is the seller’s equity. You take over the $534,178 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $413,372.28 is due at closing. Uses and sources reconcile at $947,549.82 each. Not a Closing Disclosure.