Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$429,026Cash toward the purchase price.
Closing costs + prepaids$12,839Not just lender fees.
Before credits & paid funds$441,865The complete starting cash picture.
Estimated remaining funds due at closing
$441,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$429,025.77
Your down payment$429,025.77
Closing costs + prepaids$12,839.31
Total buyer cash needed$441,865.08
Remaining funds due$441,865.08
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%)$4,899.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$304.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,662.25
Initial HOA (3 months)$374.01
Prepaid interest, first (27 days)$130.33
Fees + prepaids$12,839.31
Your down payment is the seller’s equity. You take over the $60,964 balance, so the rest of the $489,990 price is paid at closing. A second mortgage can cover part of it. $441,865.08 is due at closing. Uses and sources reconcile at $502,829.31 each. Not a Closing Disclosure.