Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$426,221Cash toward the purchase price.
Closing costs + prepaids$19,701Not just lender fees.
Before credits & paid funds$445,922The complete starting cash picture.
Estimated remaining funds due at closing
$445,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,221.25
Your down payment$426,221.25
Closing costs + prepaids$19,700.58
Total buyer cash needed$445,921.83
Remaining funds due$445,921.83
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%)$9,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,543.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,122.00
Prepaid interest, first (12 days)$466.68
Fees + prepaids$19,700.58
Your down payment is the seller’s equity. You take over the $508,779 balance, so the rest of the $935,000 price is paid at closing. A second mortgage can cover part of it. $445,921.83 is due at closing. Uses and sources reconcile at $954,700.58 each. Not a Closing Disclosure.