Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$502,529Cash toward the purchase price.
Closing costs + prepaids$13,030Not just lender fees.
Before credits & paid funds$515,560The complete starting cash picture.
Estimated remaining funds due at closing
$515,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$502,529.27
Your down payment$502,529.27
Closing costs + prepaids$13,030.44
Total buyer cash needed$515,559.71
Remaining funds due$515,559.71
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%)$5,099.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$37.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,275.00
Initial HOA (3 months)$1,125.00
Prepaid interest, first (28 days)$25.10
Fees + prepaids$13,030.44
Your down payment is the seller’s equity. You take over the $7,470 balance, so the rest of the $509,999 price is paid at closing. A second mortgage can cover part of it. $515,559.71 is due at closing. Uses and sources reconcile at $523,029.44 each. Not a Closing Disclosure.