Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$409,790Cash toward the purchase price.
Closing costs + prepaids$11,466Not just lender fees.
Before credits & paid funds$421,256The complete starting cash picture.
Estimated remaining funds due at closing
$421,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$409,790.02
Your down payment$409,790.02
Closing costs + prepaids$11,465.62
Total buyer cash needed$421,255.64
Remaining funds due$421,255.64
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$501.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$133.25
Prepaid interest, first (23 days)$263.32
Fees + prepaids$11,465.62
Your down payment is the seller’s equity. You take over the $100,210 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $421,255.64 is due at closing. Uses and sources reconcile at $521,465.62 each. Not a Closing Disclosure.