Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$426,250Cash toward the purchase price.
Closing costs + prepaids$11,865Not just lender fees.
Before credits & paid funds$438,115The complete starting cash picture.
Estimated remaining funds due at closing
$438,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,250.37
Your down payment$426,250.37
Closing costs + prepaids$11,864.77
Total buyer cash needed$438,115.14
Remaining funds due$438,115.14
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$493.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$365.25
Initial HOA (3 months)$57.51
Prepaid interest, first (25 days)$231.76
Fees + prepaids$11,864.77
Your down payment is the seller’s equity. You take over the $98,650 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $438,115.14 is due at closing. Uses and sources reconcile at $536,764.77 each. Not a Closing Disclosure.