Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$442,183Cash toward the purchase price.
Closing costs + prepaids$11,075Not just lender fees.
Before credits & paid funds$453,258The complete starting cash picture.
Estimated remaining funds due at closing
$453,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$442,182.93
Your down payment$442,182.93
Closing costs + prepaids$11,074.71
Total buyer cash needed$453,257.64
Remaining funds due$453,257.64
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$189.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$431.75
Prepaid interest, first (23 days)$185.87
Fees + prepaids$11,074.71
Your down payment is the seller’s equity. You take over the $37,817 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $453,257.64 is due at closing. Uses and sources reconcile at $491,074.71 each. Not a Closing Disclosure.