Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$473,874Cash toward the purchase price.
Closing costs + prepaids$11,396Not just lender fees.
Before credits & paid funds$485,270The complete starting cash picture.
Estimated remaining funds due at closing
$485,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$473,873.90
Your down payment$473,873.90
Closing costs + prepaids$11,395.71
Total buyer cash needed$485,269.61
Remaining funds due$485,269.61
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$230.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$311.00
Prepaid interest, first (31 days)$186.08
Fees + prepaids$11,395.71
Your down payment is the seller’s equity. You take over the $46,126 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $485,269.61 is due at closing. Uses and sources reconcile at $531,395.71 each. Not a Closing Disclosure.