Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$402,480Cash toward the purchase price.
Closing costs + prepaids$19,478Not just lender fees.
Before credits & paid funds$421,958The complete starting cash picture.
Estimated remaining funds due at closing
$421,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$402,479.78
Your down payment$402,479.78
Closing costs + prepaids$19,478.20
Total buyer cash needed$421,957.99
Remaining funds due$421,957.99
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%)$9,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,537.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,092.00
Prepaid interest, first (12 days)$530.60
Fees + prepaids$19,478.20
Your down payment is the seller’s equity. You take over the $507,520 balance, so the rest of the $910,000 price is paid at closing. A second mortgage can cover part of it. $421,957.99 is due at closing. Uses and sources reconcile at $929,478.20 each. Not a Closing Disclosure.