Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$474,755Cash toward the purchase price.
Closing costs + prepaids$14,839Not just lender fees.
Before credits & paid funds$489,594The complete starting cash picture.
Estimated remaining funds due at closing
$489,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$474,754.96
Your down payment$474,754.96
Closing costs + prepaids$14,839.04
Total buyer cash needed$489,594.00
Remaining funds due$489,594.00
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%)$5,920.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$586.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,480.00
Initial HOA (3 months)$1,059.00
Prepaid interest, first (23 days)$325.81
Fees + prepaids$14,839.04
Your down payment is the seller’s equity. You take over the $117,245 balance, so the rest of the $592,000 price is paid at closing. A second mortgage can cover part of it. $489,594.00 is due at closing. Uses and sources reconcile at $606,839.04 each. Not a Closing Disclosure.