Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$414,557Cash toward the purchase price.
Closing costs + prepaids$12,320Not just lender fees.
Before credits & paid funds$426,878The complete starting cash picture.
Estimated remaining funds due at closing
$426,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$414,557.27
Your down payment$414,557.27
Closing costs + prepaids$12,320.35
Total buyer cash needed$426,877.61
Remaining funds due$426,877.61
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$672.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$336.75
Prepaid interest, first (26 days)$353.38
Fees + prepaids$12,320.35
Your down payment is the seller’s equity. You take over the $134,443 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $426,877.61 is due at closing. Uses and sources reconcile at $561,320.35 each. Not a Closing Disclosure.