Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$445,946Cash toward the purchase price.
Closing costs + prepaids$22,501Not just lender fees.
Before credits & paid funds$468,447The complete starting cash picture.
Estimated remaining funds due at closing
$468,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$445,945.91
Your down payment$445,945.91
Closing costs + prepaids$22,500.69
Total buyer cash needed$468,446.59
Remaining funds due$468,446.59
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%)$9,540.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,540.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,385.00
Initial HOA (3 months)$786.00
Prepaid interest, first (26 days)$1,031.42
Fees + prepaids$22,500.69
Your down payment is the seller’s equity. You take over the $508,054 balance, so the rest of the $954,000 price is paid at closing. A second mortgage can cover part of it. $468,446.59 is due at closing. Uses and sources reconcile at $976,500.69 each. Not a Closing Disclosure.