Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$438,889Cash toward the purchase price.
Closing costs + prepaids$45,534Not just lender fees.
Before credits & paid funds$484,423The complete starting cash picture.
Estimated remaining funds due at closing
$484,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$438,889.09
Your down payment$438,889.09
Closing costs + prepaids$45,533.76
Total buyer cash needed$484,422.85
Remaining funds due$484,422.85
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%)$18,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,280.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,737.50
Prepaid interest, first (27 days)$8,347.70
Fees + prepaids$45,533.76
Your down payment is the seller’s equity. You take over the $1,456,111 balance, so the rest of the $1,895,000 price is paid at closing. A second mortgage can cover part of it. $484,422.85 is due at closing. Uses and sources reconcile at $1,940,533.76 each. Not a Closing Disclosure.