Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$382,861Cash toward the purchase price.
Closing costs + prepaids$25,783Not just lender fees.
Before credits & paid funds$408,643The complete starting cash picture.
Estimated remaining funds due at closing
$408,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,860.74
Your down payment$382,860.74
Closing costs + prepaids$25,782.72
Total buyer cash needed$408,643.46
Remaining funds due$408,643.46
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%)$10,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,210.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,196.75
Initial HOA (3 months)$255.00
Prepaid interest, first (30 days)$3,652.28
Fees + prepaids$25,782.72
Your down payment is the seller’s equity. You take over the $642,139 balance, so the rest of the $1,025,000 price is paid at closing. A second mortgage can cover part of it. $408,643.46 is due at closing. Uses and sources reconcile at $1,050,782.72 each. Not a Closing Disclosure.