Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$463,371Cash toward the purchase price.
Closing costs + prepaids$10,945Not just lender fees.
Before credits & paid funds$474,316The complete starting cash picture.
Estimated remaining funds due at closing
$474,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$463,371.14
Your down payment$463,371.14
Closing costs + prepaids$10,945.07
Total buyer cash needed$474,316.21
Remaining funds due$474,316.21
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$133.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$314.75
Prepaid interest, first (26 days)$129.18
Fees + prepaids$10,945.07
Your down payment is the seller’s equity. You take over the $26,629 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $474,316.21 is due at closing. Uses and sources reconcile at $500,945.07 each. Not a Closing Disclosure.