Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$428,666Cash toward the purchase price.
Closing costs + prepaids$27,943Not just lender fees.
Before credits & paid funds$456,608The complete starting cash picture.
Estimated remaining funds due at closing
$456,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,665.72
Your down payment$428,665.72
Closing costs + prepaids$27,942.62
Total buyer cash needed$456,608.34
Remaining funds due$456,608.34
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%)$13,540.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,626.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,272.25
Prepaid interest, first (28 days)$2,285.70
Fees + prepaids$27,942.62
Your down payment is the seller’s equity. You take over the $925,334 balance, so the rest of the $1,354,000 price is paid at closing. A second mortgage can cover part of it. $456,608.34 is due at closing. Uses and sources reconcile at $1,381,942.62 each. Not a Closing Disclosure.