Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$468,594Cash toward the purchase price.
Closing costs + prepaids$14,028Not just lender fees.
Before credits & paid funds$482,622The complete starting cash picture.
Estimated remaining funds due at closing
$482,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$468,593.87
Your down payment$468,593.87
Closing costs + prepaids$14,028.27
Total buyer cash needed$482,622.14
Remaining funds due$482,622.14
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%)$6,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$981.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$487.00
Prepaid interest, first (24 days)$442.74
Fees + prepaids$14,028.27
Your down payment is the seller’s equity. You take over the $196,306 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $482,622.14 is due at closing. Uses and sources reconcile at $678,928.27 each. Not a Closing Disclosure.