Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$484,006Cash toward the purchase price.
Closing costs + prepaids$21,491Not just lender fees.
Before credits & paid funds$505,497The complete starting cash picture.
Estimated remaining funds due at closing
$505,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$484,006.13
Your down payment$484,006.13
Closing costs + prepaids$21,491.27
Total buyer cash needed$505,497.40
Remaining funds due$505,497.40
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%)$9,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,379.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,400.00
Prepaid interest, first (25 days)$893.30
Fees + prepaids$21,491.27
Your down payment is the seller’s equity. You take over the $475,994 balance, so the rest of the $960,000 price is paid at closing. A second mortgage can cover part of it. $505,497.40 is due at closing. Uses and sources reconcile at $981,491.27 each. Not a Closing Disclosure.