Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$455,710Cash toward the purchase price.
Closing costs + prepaids$22,910Not just lender fees.
Before credits & paid funds$478,621The complete starting cash picture.
Estimated remaining funds due at closing
$478,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$455,710.45
Your down payment$455,710.45
Closing costs + prepaids$22,910.35
Total buyer cash needed$478,620.80
Remaining funds due$478,620.80
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%)$10,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,216.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,259.25
Prepaid interest, first (24 days)$1,226.66
Fees + prepaids$22,910.35
Your down payment is the seller’s equity. You take over the $643,290 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $478,620.80 is due at closing. Uses and sources reconcile at $1,121,910.35 each. Not a Closing Disclosure.