Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$414,287Cash toward the purchase price.
Closing costs + prepaids$22,660Not just lender fees.
Before credits & paid funds$436,948The complete starting cash picture.
Estimated remaining funds due at closing
$436,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$414,287.50
Your down payment$414,287.50
Closing costs + prepaids$22,660.36
Total buyer cash needed$436,947.86
Remaining funds due$436,947.86
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%)$9,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,823.56
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,447.50
Prepaid interest, first (24 days)$1,381.30
Fees + prepaids$22,660.36
Your down payment is the seller’s equity. You take over the $564,713 balance, so the rest of the $979,000 price is paid at closing. A second mortgage can cover part of it. $436,947.86 is due at closing. Uses and sources reconcile at $1,001,660.36 each. Not a Closing Disclosure.