Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$425,810Cash toward the purchase price.
Closing costs + prepaids$20,618Not just lender fees.
Before credits & paid funds$446,427The complete starting cash picture.
Estimated remaining funds due at closing
$446,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$425,809.89
Your down payment$425,809.89
Closing costs + prepaids$20,617.61
Total buyer cash needed$446,427.50
Remaining funds due$446,427.50
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%)$9,999.97
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,870.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,200.00
Initial HOA (3 months)$12.51
Prepaid interest, first (6 days)$316.20
Fees + prepaids$20,617.61
Your down payment is the seller’s equity. You take over the $574,187 balance, so the rest of the $999,997 price is paid at closing. A second mortgage can cover part of it. $446,427.50 is due at closing. Uses and sources reconcile at $1,020,614.61 each. Not a Closing Disclosure.