Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$486,146Cash toward the purchase price.
Closing costs + prepaids$13,159Not just lender fees.
Before credits & paid funds$499,305The complete starting cash picture.
Estimated remaining funds due at closing
$499,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$486,146.19
Your down payment$486,146.19
Closing costs + prepaids$13,158.87
Total buyer cash needed$499,305.06
Remaining funds due$499,305.06
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%)$6,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$719.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$650.00
Prepaid interest, first (2 days)$21.60
Fees + prepaids$13,158.87
Your down payment is the seller’s equity. You take over the $143,854 balance, so the rest of the $630,000 price is paid at closing. A second mortgage can cover part of it. $499,305.06 is due at closing. Uses and sources reconcile at $643,158.87 each. Not a Closing Disclosure.