Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$423,710Cash toward the purchase price.
Closing costs + prepaids$29,607Not just lender fees.
Before credits & paid funds$453,317The complete starting cash picture.
Estimated remaining funds due at closing
$453,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$423,709.62
Your down payment$423,709.62
Closing costs + prepaids$29,607.11
Total buyer cash needed$453,316.73
Remaining funds due$453,316.73
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%)$11,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,631.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,386.00
Initial HOA (3 months)$438.00
Prepaid interest, first (24 days)$3,433.66
Fees + prepaids$29,607.11
Your down payment is the seller’s equity. You take over the $726,290 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $453,316.73 is due at closing. Uses and sources reconcile at $1,179,607.11 each. Not a Closing Disclosure.