Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$430,848Cash toward the purchase price.
Closing costs + prepaids$21,527Not just lender fees.
Before credits & paid funds$452,375The complete starting cash picture.
Estimated remaining funds due at closing
$452,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,847.54
Your down payment$430,847.54
Closing costs + prepaids$21,527.20
Total buyer cash needed$452,374.74
Remaining funds due$452,374.74
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%)$10,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,120.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,266.00
Prepaid interest, first (6 days)$372.44
Fees + prepaids$21,527.20
Your down payment is the seller’s equity. You take over the $624,152 balance, so the rest of the $1,055,000 price is paid at closing. A second mortgage can cover part of it. $452,374.74 is due at closing. Uses and sources reconcile at $1,076,527.20 each. Not a Closing Disclosure.