Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$503,017Cash toward the purchase price.
Closing costs + prepaids$13,415Not just lender fees.
Before credits & paid funds$516,432The complete starting cash picture.
Estimated remaining funds due at closing
$516,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$503,016.99
Your down payment$503,016.99
Closing costs + prepaids$13,415.22
Total buyer cash needed$516,432.21
Remaining funds due$516,432.21
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$659.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$762.00
Prepaid interest, first (12 days)$175.30
Fees + prepaids$13,415.22
Your down payment is the seller’s equity. You take over the $131,983 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $516,432.21 is due at closing. Uses and sources reconcile at $648,415.22 each. Not a Closing Disclosure.