Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$475,099Cash toward the purchase price.
Closing costs + prepaids$20,577Not just lender fees.
Before credits & paid funds$495,676The complete starting cash picture.
Estimated remaining funds due at closing
$495,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$475,099.05
Your down payment$475,099.05
Closing costs + prepaids$20,577.07
Total buyer cash needed$495,676.12
Remaining funds due$495,676.12
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,249.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,586.00
Initial HOA (3 months)$118.74
Prepaid interest, first (27 days)$1,154.83
Fees + prepaids$20,577.07
Your down payment is the seller’s equity. You take over the $449,901 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $495,676.12 is due at closing. Uses and sources reconcile at $945,577.07 each. Not a Closing Disclosure.