Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$417,941Cash toward the purchase price.
Closing costs + prepaids$11,671Not just lender fees.
Before credits & paid funds$429,612The complete starting cash picture.
Estimated remaining funds due at closing
$429,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$417,941.14
Your down payment$417,941.14
Closing costs + prepaids$11,670.74
Total buyer cash needed$429,611.88
Remaining funds due$429,611.88
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$210.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$703.50
Initial HOA (3 months)$615.00
Prepaid interest, first (23 days)$73.94
Fees + prepaids$11,670.74
Your down payment is the seller’s equity. You take over the $42,059 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $429,611.88 is due at closing. Uses and sources reconcile at $471,670.74 each. Not a Closing Disclosure.