Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$404,822Cash toward the purchase price.
Closing costs + prepaids$11,997Not just lender fees.
Before credits & paid funds$416,819The complete starting cash picture.
Estimated remaining funds due at closing
$416,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$404,821.62
Your down payment$404,821.62
Closing costs + prepaids$11,997.17
Total buyer cash needed$416,818.79
Remaining funds due$416,818.79
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$575.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$403.25
Initial HOA (3 months)$52.26
Prepaid interest, first (28 days)$299.27
Fees + prepaids$11,997.17
Your down payment is the seller’s equity. You take over the $115,078 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $416,818.79 is due at closing. Uses and sources reconcile at $531,897.17 each. Not a Closing Disclosure.