Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$432,189Cash toward the purchase price.
Closing costs + prepaids$21,437Not just lender fees.
Before credits & paid funds$453,626The complete starting cash picture.
Estimated remaining funds due at closing
$453,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$432,189.08
Your down payment$432,189.08
Closing costs + prepaids$21,437.24
Total buyer cash needed$453,626.32
Remaining funds due$453,626.32
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%)$9,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,414.05
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,287.50
Initial HOA (3 months)$360.00
Prepaid interest, first (26 days)$1,007.69
Fees + prepaids$21,437.24
Your down payment is the seller’s equity. You take over the $482,811 balance, so the rest of the $915,000 price is paid at closing. A second mortgage can cover part of it. $453,626.32 is due at closing. Uses and sources reconcile at $936,437.24 each. Not a Closing Disclosure.