Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$483,009Cash toward the purchase price.
Closing costs + prepaids$14,130Not just lender fees.
Before credits & paid funds$497,139The complete starting cash picture.
Estimated remaining funds due at closing
$497,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$483,008.54
Your down payment$483,008.54
Closing costs + prepaids$14,130.36
Total buyer cash needed$497,138.90
Remaining funds due$497,138.90
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%)$6,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$909.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,059.25
Prepaid interest, first (2 days)$44.65
Fees + prepaids$14,130.36
Your down payment is the seller’s equity. You take over the $181,891 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $497,138.90 is due at closing. Uses and sources reconcile at $679,030.36 each. Not a Closing Disclosure.