Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$445,202Cash toward the purchase price.
Closing costs + prepaids$21,168Not just lender fees.
Before credits & paid funds$466,370The complete starting cash picture.
Estimated remaining funds due at closing
$466,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$445,201.91
Your down payment$445,201.91
Closing costs + prepaids$21,167.61
Total buyer cash needed$466,369.51
Remaining funds due$466,369.51
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%)$8,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,263.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,245.00
Prepaid interest, first (29 days)$1,460.61
Fees + prepaids$21,167.61
Your down payment is the seller’s equity. You take over the $452,798 balance, so the rest of the $898,000 price is paid at closing. A second mortgage can cover part of it. $466,369.51 is due at closing. Uses and sources reconcile at $919,167.61 each. Not a Closing Disclosure.