Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$379,732Cash toward the purchase price.
Closing costs + prepaids$21,003Not just lender fees.
Before credits & paid funds$400,735The complete starting cash picture.
Estimated remaining funds due at closing
$400,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,731.80
Your down payment$379,731.80
Closing costs + prepaids$21,002.91
Total buyer cash needed$400,734.70
Remaining funds due$400,734.70
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%)$9,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,626.34
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,710.25
Initial HOA (3 months)$300.00
Prepaid interest, first (24 days)$1,098.31
Fees + prepaids$21,002.91
Your down payment is the seller’s equity. You take over the $525,268 balance, so the rest of the $905,000 price is paid at closing. A second mortgage can cover part of it. $400,734.70 is due at closing. Uses and sources reconcile at $926,002.91 each. Not a Closing Disclosure.