Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$419,957Cash toward the purchase price.
Closing costs + prepaids$39,658Not just lender fees.
Before credits & paid funds$459,614The complete starting cash picture.
Estimated remaining funds due at closing
$459,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$419,956.53
Your down payment$419,956.53
Closing costs + prepaids$39,657.86
Total buyer cash needed$459,614.39
Remaining funds due$459,614.39
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%)$16,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,025.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,062.50
Initial HOA (3 months)$1,380.00
Prepaid interest, first (28 days)$5,722.14
Fees + prepaids$39,657.86
Your down payment is the seller’s equity. You take over the $1,205,043 balance, so the rest of the $1,625,000 price is paid at closing. A second mortgage can cover part of it. $459,614.39 is due at closing. Uses and sources reconcile at $1,664,657.86 each. Not a Closing Disclosure.