Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$402,330Cash toward the purchase price.
Closing costs + prepaids$12,421Not just lender fees.
Before credits & paid funds$414,751The complete starting cash picture.
Estimated remaining funds due at closing
$414,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$402,330.43
Your down payment$402,330.43
Closing costs + prepaids$12,420.77
Total buyer cash needed$414,751.21
Remaining funds due$414,751.21
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$538.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$863.75
Initial HOA (3 months)$174.51
Prepaid interest, first (31 days)$276.17
Fees + prepaids$12,420.77
Your down payment is the seller’s equity. You take over the $107,670 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $414,751.21 is due at closing. Uses and sources reconcile at $522,420.77 each. Not a Closing Disclosure.