Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$426,621Cash toward the purchase price.
Closing costs + prepaids$10,254Not just lender fees.
Before credits & paid funds$436,875The complete starting cash picture.
Estimated remaining funds due at closing
$436,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,620.87
Your down payment$426,620.87
Closing costs + prepaids$10,253.66
Total buyer cash needed$436,874.53
Remaining funds due$436,874.53
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$41.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$522.00
Initial HOA (3 months)$81.00
Prepaid interest, first (23 days)$40.76
Fees + prepaids$10,253.66
Your down payment is the seller’s equity. You take over the $8,379 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $436,874.53 is due at closing. Uses and sources reconcile at $445,253.66 each. Not a Closing Disclosure.