Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$483,589Cash toward the purchase price.
Closing costs + prepaids$14,595Not just lender fees.
Before credits & paid funds$498,183The complete starting cash picture.
Estimated remaining funds due at closing
$498,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$483,588.55
Your down payment$483,588.55
Closing costs + prepaids$14,594.65
Total buyer cash needed$498,183.20
Remaining funds due$498,183.20
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%)$6,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$906.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,059.25
Prepaid interest, first (23 days)$511.84
Fees + prepaids$14,594.65
Your down payment is the seller’s equity. You take over the $181,311 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $498,183.20 is due at closing. Uses and sources reconcile at $679,494.65 each. Not a Closing Disclosure.