Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$455,531Cash toward the purchase price.
Closing costs + prepaids$11,515Not just lender fees.
Before credits & paid funds$467,046The complete starting cash picture.
Estimated remaining funds due at closing
$467,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$455,530.72
Your down payment$455,530.72
Closing costs + prepaids$11,514.83
Total buyer cash needed$467,045.56
Remaining funds due$467,045.56
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$197.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$893.00
Prepaid interest, first (2 days)$6.49
Fees + prepaids$11,514.83
Your down payment is the seller’s equity. You take over the $39,469 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $467,045.56 is due at closing. Uses and sources reconcile at $506,514.83 each. Not a Closing Disclosure.