Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$419,871Cash toward the purchase price.
Closing costs + prepaids$11,300Not just lender fees.
Before credits & paid funds$431,170The complete starting cash picture.
Estimated remaining funds due at closing
$431,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$419,870.54
Your down payment$419,870.54
Closing costs + prepaids$11,299.80
Total buyer cash needed$431,170.33
Remaining funds due$431,170.33
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$300.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$463.75
Prepaid interest, first (30 days)$268.90
Fees + prepaids$11,299.80
Your down payment is the seller’s equity. You take over the $60,029 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $431,170.33 is due at closing. Uses and sources reconcile at $491,199.80 each. Not a Closing Disclosure.