Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$457,472Cash toward the purchase price.
Closing costs + prepaids$25,713Not just lender fees.
Before credits & paid funds$483,185The complete starting cash picture.
Estimated remaining funds due at closing
$483,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$457,471.74
Your down payment$457,471.74
Closing costs + prepaids$25,713.19
Total buyer cash needed$483,184.93
Remaining funds due$483,184.93
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%)$11,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,462.64
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,330.25
Initial HOA (3 months)$990.00
Prepaid interest, first (22 days)$2,212.30
Fees + prepaids$25,713.19
Your down payment is the seller’s equity. You take over the $692,528 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $483,184.93 is due at closing. Uses and sources reconcile at $1,175,713.19 each. Not a Closing Disclosure.