Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$401,058Cash toward the purchase price.
Closing costs + prepaids$25,421Not just lender fees.
Before credits & paid funds$426,480The complete starting cash picture.
Estimated remaining funds due at closing
$426,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,058.49
Your down payment$401,058.49
Closing costs + prepaids$25,421.30
Total buyer cash needed$426,479.79
Remaining funds due$426,479.79
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%)$9,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,789.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,406.00
Initial HOA (3 months)$180.00
Prepaid interest, first (30 days)$3,237.59
Fees + prepaids$25,421.30
Your down payment is the seller’s equity. You take over the $557,942 balance, so the rest of the $959,000 price is paid at closing. A second mortgage can cover part of it. $426,479.79 is due at closing. Uses and sources reconcile at $984,421.30 each. Not a Closing Disclosure.