Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$445,352Cash toward the purchase price.
Closing costs + prepaids$25,503Not just lender fees.
Before credits & paid funds$470,855The complete starting cash picture.
Estimated remaining funds due at closing
$470,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$445,352.01
Your down payment$445,352.01
Closing costs + prepaids$25,502.70
Total buyer cash needed$470,854.71
Remaining funds due$470,854.71
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%)$12,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,922.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Prepaid interest, first (25 days)$3,062.96
Fees + prepaids$25,502.70
Your down payment is the seller’s equity. You take over the $784,548 balance, so the rest of the $1,229,900 price is paid at closing. A second mortgage can cover part of it. $470,854.71 is due at closing. Uses and sources reconcile at $1,255,402.70 each. Not a Closing Disclosure.