Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$421,315Cash toward the purchase price.
Closing costs + prepaids$14,460Not just lender fees.
Before credits & paid funds$435,776The complete starting cash picture.
Estimated remaining funds due at closing
$435,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$421,315.46
Your down payment$421,315.46
Closing costs + prepaids$14,460.45
Total buyer cash needed$435,775.91
Remaining funds due$435,775.91
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$493.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,300.00
Initial HOA (3 months)$1,704.00
Prepaid interest, first (31 days)$295.03
Fees + prepaids$14,460.45
Your down payment is the seller’s equity. You take over the $98,685 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $435,775.91 is due at closing. Uses and sources reconcile at $534,460.45 each. Not a Closing Disclosure.