Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$426,213Cash toward the purchase price.
Closing costs + prepaids$11,873Not just lender fees.
Before credits & paid funds$438,086The complete starting cash picture.
Estimated remaining funds due at closing
$438,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,213.07
Your down payment$426,213.07
Closing costs + prepaids$11,873.12
Total buyer cash needed$438,086.19
Remaining funds due$438,086.19
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$468.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$330.00
Prepaid interest, first (26 days)$406.19
Fees + prepaids$11,873.12
Your down payment is the seller’s equity. You take over the $93,787 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $438,086.19 is due at closing. Uses and sources reconcile at $531,873.12 each. Not a Closing Disclosure.