Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$451,982Cash toward the purchase price.
Closing costs + prepaids$21,367Not just lender fees.
Before credits & paid funds$473,349The complete starting cash picture.
Estimated remaining funds due at closing
$473,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$451,982.36
Your down payment$451,982.36
Closing costs + prepaids$21,366.95
Total buyer cash needed$473,349.31
Remaining funds due$473,349.31
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%)$9,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,540.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,685.00
Initial HOA (3 months)$209.01
Prepaid interest, first (30 days)$1,114.86
Fees + prepaids$21,366.95
Your down payment is the seller’s equity. You take over the $508,018 balance, so the rest of the $960,000 price is paid at closing. A second mortgage can cover part of it. $473,349.31 is due at closing. Uses and sources reconcile at $981,366.95 each. Not a Closing Disclosure.