Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$404,141Cash toward the purchase price.
Closing costs + prepaids$22,719Not just lender fees.
Before credits & paid funds$426,860The complete starting cash picture.
Estimated remaining funds due at closing
$426,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$404,140.81
Your down payment$404,140.81
Closing costs + prepaids$22,719.20
Total buyer cash needed$426,860.01
Remaining funds due$426,860.01
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%)$9,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,853.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,437.25
Initial HOA (3 months)$309.00
Prepaid interest, first (24 days)$1,152.15
Fees + prepaids$22,719.20
Your down payment is the seller’s equity. You take over the $570,759 balance, so the rest of the $974,900 price is paid at closing. A second mortgage can cover part of it. $426,860.01 is due at closing. Uses and sources reconcile at $997,619.20 each. Not a Closing Disclosure.