Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$400,755Cash toward the purchase price.
Closing costs + prepaids$22,870Not just lender fees.
Before credits & paid funds$423,625The complete starting cash picture.
Estimated remaining funds due at closing
$423,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$400,755.34
Your down payment$400,755.34
Closing costs + prepaids$22,869.59
Total buyer cash needed$423,624.93
Remaining funds due$423,624.93
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%)$9,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,596.17
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,300.00
Initial HOA (3 months)$1,494.00
Prepaid interest, first (26 days)$1,061.51
Fees + prepaids$22,869.59
Your down payment is the seller’s equity. You take over the $519,235 balance, so the rest of the $919,990 price is paid at closing. A second mortgage can cover part of it. $423,624.93 is due at closing. Uses and sources reconcile at $942,859.59 each. Not a Closing Disclosure.