Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$485,059Cash toward the purchase price.
Closing costs + prepaids$14,209Not just lender fees.
Before credits & paid funds$499,267The complete starting cash picture.
Estimated remaining funds due at closing
$499,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$485,058.65
Your down payment$485,058.65
Closing costs + prepaids$14,208.71
Total buyer cash needed$499,267.36
Remaining funds due$499,267.36
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%)$6,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$899.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$820.50
Prepaid interest, first (25 days)$372.00
Fees + prepaids$14,208.71
Your down payment is the seller’s equity. You take over the $179,841 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $499,267.36 is due at closing. Uses and sources reconcile at $679,108.71 each. Not a Closing Disclosure.