Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$466,092Cash toward the purchase price.
Closing costs + prepaids$19,802Not just lender fees.
Before credits & paid funds$485,894The complete starting cash picture.
Estimated remaining funds due at closing
$485,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$466,092.30
Your down payment$466,092.30
Closing costs + prepaids$19,801.70
Total buyer cash needed$485,894.00
Remaining funds due$485,894.00
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%)$9,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,244.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,159.75
Prepaid interest, first (30 days)$1,029.41
Fees + prepaids$19,801.70
Your down payment is the seller’s equity. You take over the $448,908 balance, so the rest of the $915,000 price is paid at closing. A second mortgage can cover part of it. $485,894.00 is due at closing. Uses and sources reconcile at $934,801.70 each. Not a Closing Disclosure.