Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$459,905Cash toward the purchase price.
Closing costs + prepaids$13,107Not just lender fees.
Before credits & paid funds$473,011The complete starting cash picture.
Estimated remaining funds due at closing
$473,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$459,904.55
Your down payment$459,904.55
Closing costs + prepaids$13,106.80
Total buyer cash needed$473,011.34
Remaining funds due$473,011.34
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$700.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$720.00
Prepaid interest, first (12 days)$218.32
Fees + prepaids$13,106.80
Your down payment is the seller’s equity. You take over the $140,095 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $473,011.34 is due at closing. Uses and sources reconcile at $613,106.80 each. Not a Closing Disclosure.