Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$441,693Cash toward the purchase price.
Closing costs + prepaids$30,577Not just lender fees.
Before credits & paid funds$472,270The complete starting cash picture.
Estimated remaining funds due at closing
$472,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,693.45
Your down payment$441,693.45
Closing costs + prepaids$30,576.60
Total buyer cash needed$472,270.04
Remaining funds due$472,270.04
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%)$13,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,541.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,076.75
Initial HOA (3 months)$56.25
Prepaid interest, first (31 days)$5,184.07
Fees + prepaids$30,576.60
Your down payment is the seller’s equity. You take over the $908,307 balance, so the rest of the $1,350,000 price is paid at closing. A second mortgage can cover part of it. $472,270.04 is due at closing. Uses and sources reconcile at $1,380,576.60 each. Not a Closing Disclosure.