Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$400,392Cash toward the purchase price.
Closing costs + prepaids$34,673Not just lender fees.
Before credits & paid funds$435,065The complete starting cash picture.
Estimated remaining funds due at closing
$435,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$400,391.66
Your down payment$400,391.66
Closing costs + prepaids$34,673.40
Total buyer cash needed$435,065.06
Remaining funds due$435,065.06
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%)$14,820.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,408.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,133.25
Prepaid interest, first (22 days)$4,094.11
Fees + prepaids$34,673.40
Your down payment is the seller’s equity. You take over the $1,081,608 balance, so the rest of the $1,482,000 price is paid at closing. A second mortgage can cover part of it. $435,065.06 is due at closing. Uses and sources reconcile at $1,516,673.40 each. Not a Closing Disclosure.