Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$466,851Cash toward the purchase price.
Closing costs + prepaids$18,981Not just lender fees.
Before credits & paid funds$485,831The complete starting cash picture.
Estimated remaining funds due at closing
$485,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$466,850.65
Your down payment$466,850.65
Closing costs + prepaids$18,980.70
Total buyer cash needed$485,831.35
Remaining funds due$485,831.35
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%)$9,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,255.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,101.50
Prepaid interest, first (6 days)$225.45
Fees + prepaids$18,980.70
Your down payment is the seller’s equity. You take over the $451,149 balance, so the rest of the $918,000 price is paid at closing. A second mortgage can cover part of it. $485,831.35 is due at closing. Uses and sources reconcile at $936,980.70 each. Not a Closing Disclosure.