Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$423,194Cash toward the purchase price.
Closing costs + prepaids$14,324Not just lender fees.
Before credits & paid funds$437,518The complete starting cash picture.
Estimated remaining funds due at closing
$437,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$423,193.66
Your down payment$423,193.66
Closing costs + prepaids$14,324.33
Total buyer cash needed$437,517.98
Remaining funds due$437,517.98
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$379.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,247.50
Initial HOA (3 months)$1,905.00
Prepaid interest, first (26 days)$334.79
Fees + prepaids$14,324.33
Your down payment is the seller’s equity. You take over the $75,806 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $437,517.98 is due at closing. Uses and sources reconcile at $513,324.33 each. Not a Closing Disclosure.