Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$410,200Cash toward the purchase price.
Closing costs + prepaids$21,497Not just lender fees.
Before credits & paid funds$431,697The complete starting cash picture.
Estimated remaining funds due at closing
$431,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$410,199.63
Your down payment$410,199.63
Closing costs + prepaids$21,497.38
Total buyer cash needed$431,697.01
Remaining funds due$431,697.01
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%)$9,438.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,668.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,669.75
Initial HOA (3 months)$225.99
Prepaid interest, first (29 days)$1,276.32
Fees + prepaids$21,497.38
Your down payment is the seller’s equity. You take over the $533,688 balance, so the rest of the $943,888 price is paid at closing. A second mortgage can cover part of it. $431,697.01 is due at closing. Uses and sources reconcile at $965,385.38 each. Not a Closing Disclosure.