Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$415,479Cash toward the purchase price.
Closing costs + prepaids$12,588Not just lender fees.
Before credits & paid funds$428,067The complete starting cash picture.
Estimated remaining funds due at closing
$428,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$415,479.03
Your down payment$415,479.03
Closing costs + prepaids$12,587.84
Total buyer cash needed$428,066.86
Remaining funds due$428,066.86
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$597.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$736.75
Prepaid interest, first (31 days)$435.48
Fees + prepaids$12,587.84
Your down payment is the seller’s equity. You take over the $119,521 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $428,066.86 is due at closing. Uses and sources reconcile at $547,587.84 each. Not a Closing Disclosure.