Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$483,123Cash toward the purchase price.
Closing costs + prepaids$14,045Not just lender fees.
Before credits & paid funds$497,168The complete starting cash picture.
Estimated remaining funds due at closing
$497,168No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$483,122.93
Your down payment$483,122.93
Closing costs + prepaids$14,045.46
Total buyer cash needed$497,168.38
Remaining funds due$497,168.38
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%)$6,570.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$869.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$958.25
Initial HOA (3 months)$150.00
Prepaid interest, first (2 days)$29.82
Fees + prepaids$14,045.46
Your down payment is the seller’s equity. You take over the $173,877 balance, so the rest of the $657,000 price is paid at closing. A second mortgage can cover part of it. $497,168.38 is due at closing. Uses and sources reconcile at $671,045.46 each. Not a Closing Disclosure.