Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$429,303Cash toward the purchase price.
Closing costs + prepaids$12,849Not just lender fees.
Before credits & paid funds$442,152The complete starting cash picture.
Estimated remaining funds due at closing
$442,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$429,302.98
Your down payment$429,302.98
Closing costs + prepaids$12,848.64
Total buyer cash needed$442,151.62
Remaining funds due$442,151.62
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$148.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,147.50
Initial HOA (3 months)$1,332.00
Prepaid interest, first (28 days)$162.66
Fees + prepaids$12,848.64
Your down payment is the seller’s equity. You take over the $29,697 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $442,151.62 is due at closing. Uses and sources reconcile at $471,848.64 each. Not a Closing Disclosure.