Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$473,630Cash toward the purchase price.
Closing costs + prepaids$12,474Not just lender fees.
Before credits & paid funds$486,104The complete starting cash picture.
Estimated remaining funds due at closing
$486,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$473,629.54
Your down payment$473,629.54
Closing costs + prepaids$12,474.09
Total buyer cash needed$486,103.62
Remaining funds due$486,103.62
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%)$5,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$481.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$507.25
Prepaid interest, first (25 days)$318.48
Fees + prepaids$12,474.09
Your down payment is the seller’s equity. You take over the $96,270 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $486,103.62 is due at closing. Uses and sources reconcile at $582,374.09 each. Not a Closing Disclosure.