Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$435,299Cash toward the purchase price.
Closing costs + prepaids$12,934Not just lender fees.
Before credits & paid funds$448,233The complete starting cash picture.
Estimated remaining funds due at closing
$448,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$435,298.62
Your down payment$435,298.62
Closing costs + prepaids$12,934.01
Total buyer cash needed$448,232.62
Remaining funds due$448,232.62
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$323.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,898.25
Initial HOA (3 months)$68.76
Prepaid interest, first (25 days)$176.99
Fees + prepaids$12,934.01
Your down payment is the seller’s equity. You take over the $64,601 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $448,232.62 is due at closing. Uses and sources reconcile at $512,834.01 each. Not a Closing Disclosure.