Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$440,702Cash toward the purchase price.
Closing costs + prepaids$12,181Not just lender fees.
Before credits & paid funds$452,883The complete starting cash picture.
Estimated remaining funds due at closing
$452,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,701.94
Your down payment$440,701.94
Closing costs + prepaids$12,180.79
Total buyer cash needed$452,882.74
Remaining funds due$452,882.74
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%)$396.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$804.00
Prepaid interest, first (25 days)$312.30
Fees + prepaids$12,180.79
Your down payment is the seller’s equity. You take over the $79,298 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $452,882.74 is due at closing. Uses and sources reconcile at $532,180.79 each. Not a Closing Disclosure.