Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$457,091Cash toward the purchase price.
Closing costs + prepaids$18,559Not just lender fees.
Before credits & paid funds$475,651The complete starting cash picture.
Estimated remaining funds due at closing
$475,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$457,091.26
Your down payment$457,091.26
Closing costs + prepaids$18,559.36
Total buyer cash needed$475,650.63
Remaining funds due$475,650.63
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%)$8,955.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,192.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,117.25
Initial HOA (3 months)$11.49
Prepaid interest, first (2 days)$65.58
Fees + prepaids$18,559.36
Your down payment is the seller’s equity. You take over the $438,409 balance, so the rest of the $895,500 price is paid at closing. A second mortgage can cover part of it. $475,650.63 is due at closing. Uses and sources reconcile at $914,059.36 each. Not a Closing Disclosure.