Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$402,830Cash toward the purchase price.
Closing costs + prepaids$11,823Not just lender fees.
Before credits & paid funds$414,653The complete starting cash picture.
Estimated remaining funds due at closing
$414,653No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$402,830.32
Your down payment$402,830.32
Closing costs + prepaids$11,822.80
Total buyer cash needed$414,653.12
Remaining funds due$414,653.12
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$485.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$650.25
Prepaid interest, first (24 days)$220.20
Fees + prepaids$11,822.80
Your down payment is the seller’s equity. You take over the $97,070 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $414,653.12 is due at closing. Uses and sources reconcile at $511,722.80 each. Not a Closing Disclosure.