Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$459,363Cash toward the purchase price.
Closing costs + prepaids$25,420Not just lender fees.
Before credits & paid funds$484,783The complete starting cash picture.
Estimated remaining funds due at closing
$484,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$459,362.53
Your down payment$459,362.53
Closing costs + prepaids$25,420.45
Total buyer cash needed$484,782.98
Remaining funds due$484,782.98
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%)$11,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,698.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,325.75
Prepaid interest, first (24 days)$2,188.52
Fees + prepaids$25,420.45
Your down payment is the seller’s equity. You take over the $739,637 balance, so the rest of the $1,199,000 price is paid at closing. A second mortgage can cover part of it. $484,782.98 is due at closing. Uses and sources reconcile at $1,224,420.45 each. Not a Closing Disclosure.