Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$436,102Cash toward the purchase price.
Closing costs + prepaids$13,829Not just lender fees.
Before credits & paid funds$449,930The complete starting cash picture.
Estimated remaining funds due at closing
$449,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$436,101.83
Your down payment$436,101.83
Closing costs + prepaids$13,828.58
Total buyer cash needed$449,930.40
Remaining funds due$449,930.40
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$994.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$533.50
Prepaid interest, first (24 days)$482.59
Fees + prepaids$13,828.58
Your down payment is the seller’s equity. You take over the $198,898 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $449,930.40 is due at closing. Uses and sources reconcile at $648,828.58 each. Not a Closing Disclosure.