Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$424,563Cash toward the purchase price.
Closing costs + prepaids$29,847Not just lender fees.
Before credits & paid funds$454,410The complete starting cash picture.
Estimated remaining funds due at closing
$454,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$424,563.06
Your down payment$424,563.06
Closing costs + prepaids$29,846.77
Total buyer cash needed$454,409.83
Remaining funds due$454,409.83
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%)$14,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,877.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Prepaid interest, first (28 days)$4,751.58
Fees + prepaids$29,846.77
Your down payment is the seller’s equity. You take over the $975,437 balance, so the rest of the $1,400,000 price is paid at closing. A second mortgage can cover part of it. $454,409.83 is due at closing. Uses and sources reconcile at $1,429,846.77 each. Not a Closing Disclosure.