Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$455,598Cash toward the purchase price.
Closing costs + prepaids$21,114Not just lender fees.
Before credits & paid funds$476,712The complete starting cash picture.
Estimated remaining funds due at closing
$476,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$455,598.21
Your down payment$455,598.21
Closing costs + prepaids$21,113.91
Total buyer cash needed$476,712.12
Remaining funds due$476,712.12
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%)$9,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,267.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,272.50
Initial HOA (3 months)$216.00
Prepaid interest, first (28 days)$1,050.40
Fees + prepaids$21,113.91
Your down payment is the seller’s equity. You take over the $453,402 balance, so the rest of the $909,000 price is paid at closing. A second mortgage can cover part of it. $476,712.12 is due at closing. Uses and sources reconcile at $930,113.91 each. Not a Closing Disclosure.