Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$459,754Cash toward the purchase price.
Closing costs + prepaids$13,502Not just lender fees.
Before credits & paid funds$473,256The complete starting cash picture.
Estimated remaining funds due at closing
$473,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$459,753.94
Your down payment$459,753.94
Closing costs + prepaids$13,502.29
Total buyer cash needed$473,256.23
Remaining funds due$473,256.23
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$575.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,437.25
Prepaid interest, first (26 days)$272.31
Fees + prepaids$13,502.29
Your down payment is the seller’s equity. You take over the $115,146 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $473,256.23 is due at closing. Uses and sources reconcile at $588,402.29 each. Not a Closing Disclosure.