Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$422,871Cash toward the purchase price.
Closing costs + prepaids$23,468Not just lender fees.
Before credits & paid funds$446,339The complete starting cash picture.
Estimated remaining funds due at closing
$446,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$422,870.97
Your down payment$422,870.97
Closing costs + prepaids$23,467.62
Total buyer cash needed$446,338.59
Remaining funds due$446,338.59
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%)$11,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,535.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,356.00
Initial HOA (3 months)$414.00
Prepaid interest, first (12 days)$643.97
Fees + prepaids$23,467.62
Your down payment is the seller’s equity. You take over the $707,129 balance, so the rest of the $1,130,000 price is paid at closing. A second mortgage can cover part of it. $446,338.59 is due at closing. Uses and sources reconcile at $1,153,467.62 each. Not a Closing Disclosure.