Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$442,100Cash toward the purchase price.
Closing costs + prepaids$19,194Not just lender fees.
Before credits & paid funds$461,294The complete starting cash picture.
Estimated remaining funds due at closing
$461,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$442,099.72
Your down payment$442,099.72
Closing costs + prepaids$19,194.10
Total buyer cash needed$461,293.83
Remaining funds due$461,293.83
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%)$8,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,239.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$690.75
Prepaid interest, first (28 days)$1,147.35
Fees + prepaids$19,194.10
Your down payment is the seller’s equity. You take over the $447,800 balance, so the rest of the $889,900 price is paid at closing. A second mortgage can cover part of it. $461,293.83 is due at closing. Uses and sources reconcile at $909,094.10 each. Not a Closing Disclosure.