Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$459,363Cash toward the purchase price.
Closing costs + prepaids$24,439Not just lender fees.
Before credits & paid funds$483,802The complete starting cash picture.
Estimated remaining funds due at closing
$483,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$459,362.53
Your down payment$459,362.53
Closing costs + prepaids$24,439.20
Total buyer cash needed$483,801.73
Remaining funds due$483,801.73
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%)$11,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,698.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,438.75
Prepaid interest, first (12 days)$1,094.26
Fees + prepaids$24,439.20
Your down payment is the seller’s equity. You take over the $739,637 balance, so the rest of the $1,199,000 price is paid at closing. A second mortgage can cover part of it. $483,801.73 is due at closing. Uses and sources reconcile at $1,223,439.20 each. Not a Closing Disclosure.