Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$440,101Cash toward the purchase price.
Closing costs + prepaids$24,587Not just lender fees.
Before credits & paid funds$464,688The complete starting cash picture.
Estimated remaining funds due at closing
$464,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,100.82
Your down payment$440,100.82
Closing costs + prepaids$24,587.34
Total buyer cash needed$464,688.15
Remaining funds due$464,688.15
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%)$10,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,044.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,622.50
Initial HOA (3 months)$771.00
Prepaid interest, first (30 days)$1,441.34
Fees + prepaids$24,587.34
Your down payment is the seller’s equity. You take over the $608,899 balance, so the rest of the $1,049,000 price is paid at closing. A second mortgage can cover part of it. $464,688.15 is due at closing. Uses and sources reconcile at $1,073,587.34 each. Not a Closing Disclosure.