Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$463,086Cash toward the purchase price.
Closing costs + prepaids$11,627Not just lender fees.
Before credits & paid funds$474,713The complete starting cash picture.
Estimated remaining funds due at closing
$474,713No 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$11,626.65
Total buyer cash needed$474,712.54
Remaining funds due$474,712.54
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)$618.00
Prepaid interest, first (12 days)$131.08
Fees + prepaids$11,626.65
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. $474,712.54 is due at closing. Uses and sources reconcile at $526,626.65 each. Not a Closing Disclosure.