Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$416,759Cash toward the purchase price.
Closing costs + prepaids$26,976Not just lender fees.
Before credits & paid funds$443,735The complete starting cash picture.
Estimated remaining funds due at closing
$443,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$416,759.48
Your down payment$416,759.48
Closing costs + prepaids$26,975.53
Total buyer cash needed$443,735.01
Remaining funds due$443,735.01
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%)$11,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,791.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,030.75
Initial HOA (3 months)$462.51
Prepaid interest, first (29 days)$3,723.06
Fees + prepaids$26,975.53
Your down payment is the seller’s equity. You take over the $758,241 balance, so the rest of the $1,175,000 price is paid at closing. A second mortgage can cover part of it. $443,735.01 is due at closing. Uses and sources reconcile at $1,201,975.53 each. Not a Closing Disclosure.