Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$462,932Cash toward the purchase price.
Closing costs + prepaids$16,528Not just lender fees.
Before credits & paid funds$479,460The complete starting cash picture.
Estimated remaining funds due at closing
$479,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$462,932.01
Your down payment$462,932.01
Closing costs + prepaids$16,528.05
Total buyer cash needed$479,460.06
Remaining funds due$479,460.06
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%)$6,399.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$885.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,600.00
Initial HOA (3 months)$1,635.00
Prepaid interest, first (28 days)$540.46
Fees + prepaids$16,528.05
Your down payment is the seller’s equity. You take over the $177,018 balance, so the rest of the $639,950 price is paid at closing. A second mortgage can cover part of it. $479,460.06 is due at closing. Uses and sources reconcile at $656,478.05 each. Not a Closing Disclosure.