Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$427,228Cash toward the purchase price.
Closing costs + prepaids$24,969Not just lender fees.
Before credits & paid funds$452,197The complete starting cash picture.
Estimated remaining funds due at closing
$452,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$427,228.17
Your down payment$427,228.17
Closing costs + prepaids$24,968.75
Total buyer cash needed$452,196.92
Remaining funds due$452,196.92
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%)$10,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,313.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,725.00
Initial HOA (3 months)$405.00
Prepaid interest, first (26 days)$1,406.89
Fees + prepaids$24,968.75
Your down payment is the seller’s equity. You take over the $662,772 balance, so the rest of the $1,090,000 price is paid at closing. A second mortgage can cover part of it. $452,196.92 is due at closing. Uses and sources reconcile at $1,114,968.75 each. Not a Closing Disclosure.