Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$441,223Cash toward the purchase price.
Closing costs + prepaids$10,910Not just lender fees.
Before credits & paid funds$452,134The complete starting cash picture.
Estimated remaining funds due at closing
$452,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,223.44
Your down payment$441,223.44
Closing costs + prepaids$10,910.21
Total buyer cash needed$452,133.64
Remaining funds due$452,133.64
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$193.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$431.75
Prepaid interest, first (2 days)$16.57
Fees + prepaids$10,910.21
Your down payment is the seller’s equity. You take over the $38,777 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $452,133.64 is due at closing. Uses and sources reconcile at $490,910.21 each. Not a Closing Disclosure.