Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$456,900Cash toward the purchase price.
Closing costs + prepaids$12,898Not just lender fees.
Before credits & paid funds$469,798The complete starting cash picture.
Estimated remaining funds due at closing
$469,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$456,900.36
Your down payment$456,900.36
Closing costs + prepaids$12,897.96
Total buyer cash needed$469,798.32
Remaining funds due$469,798.32
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$60.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,172.50
Initial HOA (3 months)$1,455.00
Prepaid interest, first (25 days)$51.96
Fees + prepaids$12,897.96
Your down payment is the seller’s equity. You take over the $12,100 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $469,798.32 is due at closing. Uses and sources reconcile at $481,897.96 each. Not a Closing Disclosure.