Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$468,195Cash toward the purchase price.
Closing costs + prepaids$12,188Not just lender fees.
Before credits & paid funds$480,383The complete starting cash picture.
Estimated remaining funds due at closing
$480,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$468,194.68
Your down payment$468,194.68
Closing costs + prepaids$12,188.50
Total buyer cash needed$480,383.18
Remaining funds due$480,383.18
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%)$5,245.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$282.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$777.75
Initial HOA (3 months)$159.00
Prepaid interest, first (31 days)$255.79
Fees + prepaids$12,188.50
Your down payment is the seller’s equity. You take over the $56,400 balance, so the rest of the $524,595 price is paid at closing. A second mortgage can cover part of it. $480,383.18 is due at closing. Uses and sources reconcile at $536,783.50 each. Not a Closing Disclosure.