Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$466,904Cash toward the purchase price.
Closing costs + prepaids$13,175Not just lender fees.
Before credits & paid funds$480,078The complete starting cash picture.
Estimated remaining funds due at closing
$480,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$466,903.83
Your down payment$466,903.83
Closing costs + prepaids$13,174.60
Total buyer cash needed$480,078.43
Remaining funds due$480,078.43
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%)$6,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$764.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$405.00
Initial HOA (3 months)$5.01
Prepaid interest, first (23 days)$332.61
Fees + prepaids$13,174.60
Your down payment is the seller’s equity. You take over the $152,996 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $480,078.43 is due at closing. Uses and sources reconcile at $633,074.60 each. Not a Closing Disclosure.