Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$430,269Cash toward the purchase price.
Closing costs + prepaids$11,445Not just lender fees.
Before credits & paid funds$441,714The complete starting cash picture.
Estimated remaining funds due at closing
$441,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,269.47
Your down payment$430,269.47
Closing costs + prepaids$11,444.61
Total buyer cash needed$441,714.08
Remaining funds due$441,714.08
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$343.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$292.25
Initial HOA (3 months)$11.76
Prepaid interest, first (30 days)$338.95
Fees + prepaids$11,444.61
Your down payment is the seller’s equity. You take over the $68,731 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $441,714.08 is due at closing. Uses and sources reconcile at $510,444.61 each. Not a Closing Disclosure.