Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$463,086Cash toward the purchase price.
Closing costs + prepaids$11,646Not just lender fees.
Before credits & paid funds$474,732The complete starting cash picture.
Estimated remaining funds due at closing
$474,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$463,085.89
Your down payment$463,085.89
Closing costs + prepaids$11,645.69
Total buyer cash needed$474,731.58
Remaining funds due$474,731.58
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$259.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$429.50
Prepaid interest, first (31 days)$338.62
Fees + prepaids$11,645.69
Your down payment is the seller’s equity. You take over the $51,914 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $474,731.58 is due at closing. Uses and sources reconcile at $526,645.69 each. Not a Closing Disclosure.