Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$459,564Cash toward the purchase price.
Closing costs + prepaids$30,149Not just lender fees.
Before credits & paid funds$489,713The complete starting cash picture.
Estimated remaining funds due at closing
$489,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$459,564.35
Your down payment$459,564.35
Closing costs + prepaids$30,148.66
Total buyer cash needed$489,713.02
Remaining funds due$489,713.02
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%)$13,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,577.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,718.75
Initial HOA (3 months)$849.00
Prepaid interest, first (17 days)$3,035.74
Fees + prepaids$30,148.66
Your down payment is the seller’s equity. You take over the $915,436 balance, so the rest of the $1,375,000 price is paid at closing. A second mortgage can cover part of it. $489,713.02 is due at closing. Uses and sources reconcile at $1,405,148.66 each. Not a Closing Disclosure.