Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$484,793Cash toward the purchase price.
Closing costs + prepaids$15,180Not just lender fees.
Before credits & paid funds$499,973The complete starting cash picture.
Estimated remaining funds due at closing
$499,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$484,792.52
Your down payment$484,792.52
Closing costs + prepaids$15,180.22
Total buyer cash needed$499,972.74
Remaining funds due$499,972.74
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%)$6,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$921.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,289.25
Initial HOA (3 months)$420.00
Prepaid interest, first (22 days)$391.93
Fees + prepaids$15,180.22
Your down payment is the seller’s equity. You take over the $184,207 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $499,972.74 is due at closing. Uses and sources reconcile at $684,180.22 each. Not a Closing Disclosure.