Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$432,972Cash toward the purchase price.
Closing costs + prepaids$29,647Not just lender fees.
Before credits & paid funds$462,619The complete starting cash picture.
Estimated remaining funds due at closing
$462,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$432,972.15
Your down payment$432,972.15
Closing costs + prepaids$29,647.05
Total buyer cash needed$462,619.20
Remaining funds due$462,619.20
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%)$12,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,085.13
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,125.00
Prepaid interest, first (26 days)$3,718.93
Fees + prepaids$29,647.05
Your down payment is the seller’s equity. You take over the $817,027 balance, so the rest of the $1,249,999 price is paid at closing. A second mortgage can cover part of it. $462,619.20 is due at closing. Uses and sources reconcile at $1,279,646.05 each. Not a Closing Disclosure.