Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$400,947Cash toward the purchase price.
Closing costs + prepaids$21,755Not just lender fees.
Before credits & paid funds$422,702The complete starting cash picture.
Estimated remaining funds due at closing
$422,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$400,947.07
Your down payment$400,947.07
Closing costs + prepaids$21,754.94
Total buyer cash needed$422,702.02
Remaining funds due$422,702.02
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%)$8,989.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,490.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,247.50
Prepaid interest, first (26 days)$1,809.33
Fees + prepaids$21,754.94
Your down payment is the seller’s equity. You take over the $498,043 balance, so the rest of the $898,990 price is paid at closing. A second mortgage can cover part of it. $422,702.02 is due at closing. Uses and sources reconcile at $920,744.94 each. Not a Closing Disclosure.