Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$466,851Cash toward the purchase price.
Closing costs + prepaids$19,348Not just lender fees.
Before credits & paid funds$486,199The complete starting cash picture.
Estimated remaining funds due at closing
$486,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$466,850.65
Your down payment$466,850.65
Closing costs + prepaids$19,348.43
Total buyer cash needed$486,199.08
Remaining funds due$486,199.08
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%)$9,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,255.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$605.00
Prepaid interest, first (29 days)$1,089.68
Fees + prepaids$19,348.43
Your down payment is the seller’s equity. You take over the $451,149 balance, so the rest of the $918,000 price is paid at closing. A second mortgage can cover part of it. $486,199.08 is due at closing. Uses and sources reconcile at $937,348.43 each. Not a Closing Disclosure.