Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$456,902Cash toward the purchase price.
Closing costs + prepaids$12,256Not just lender fees.
Before credits & paid funds$469,158The complete starting cash picture.
Estimated remaining funds due at closing
$469,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$456,901.99
Your down payment$456,901.99
Closing costs + prepaids$12,255.99
Total buyer cash needed$469,157.98
Remaining funds due$469,157.98
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$615.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$110.25
Prepaid interest, first (27 days)$262.25
Fees + prepaids$12,255.99
Your down payment is the seller’s equity. You take over the $123,098 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $469,157.98 is due at closing. Uses and sources reconcile at $592,255.99 each. Not a Closing Disclosure.