Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$473,436Cash toward the purchase price.
Closing costs + prepaids$11,218Not just lender fees.
Before credits & paid funds$484,654The complete starting cash picture.
Estimated remaining funds due at closing
$484,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$473,436.44
Your down payment$473,436.44
Closing costs + prepaids$11,217.88
Total buyer cash needed$484,654.32
Remaining funds due$484,654.32
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%)$232.82
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 (1 days)$6.06
Fees + prepaids$11,217.88
Your down payment is the seller’s equity. You take over the $46,564 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $484,654.32 is due at closing. Uses and sources reconcile at $531,217.88 each. Not a Closing Disclosure.