Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$409,078Cash toward the purchase price.
Closing costs + prepaids$23,667Not just lender fees.
Before credits & paid funds$432,745The complete starting cash picture.
Estimated remaining funds due at closing
$432,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$409,078.33
Your down payment$409,078.33
Closing costs + prepaids$23,666.86
Total buyer cash needed$432,745.19
Remaining funds due$432,745.19
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%)$9,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,604.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,325.00
Initial HOA (3 months)$390.00
Prepaid interest, first (28 days)$2,829.25
Fees + prepaids$23,666.86
Your down payment is the seller’s equity. You take over the $520,922 balance, so the rest of the $930,000 price is paid at closing. A second mortgage can cover part of it. $432,745.19 is due at closing. Uses and sources reconcile at $953,666.86 each. Not a Closing Disclosure.