Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$410,099Cash toward the purchase price.
Closing costs + prepaids$19,904Not just lender fees.
Before credits & paid funds$430,004The complete starting cash picture.
Estimated remaining funds due at closing
$430,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$410,099.46
Your down payment$410,099.46
Closing costs + prepaids$19,904.19
Total buyer cash needed$430,003.66
Remaining funds due$430,003.66
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%)$2,624.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,122.00
Initial HOA (3 months)$87.51
Prepaid interest, first (12 days)$502.18
Fees + prepaids$19,904.19
Your down payment is the seller’s equity. You take over the $524,901 balance, so the rest of the $935,000 price is paid at closing. A second mortgage can cover part of it. $430,003.66 is due at closing. Uses and sources reconcile at $954,904.19 each. Not a Closing Disclosure.