Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$460,144Cash toward the purchase price.
Closing costs + prepaids$14,442Not just lender fees.
Before credits & paid funds$474,586The complete starting cash picture.
Estimated remaining funds due at closing
$474,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$460,143.95
Your down payment$460,143.95
Closing costs + prepaids$14,442.35
Total buyer cash needed$474,586.30
Remaining funds due$474,586.30
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%)$5,325.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$361.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,331.25
Initial HOA (3 months)$1,830.00
Prepaid interest, first (18 days)$126.32
Fees + prepaids$14,442.35
Your down payment is the seller’s equity. You take over the $72,356 balance, so the rest of the $532,500 price is paid at closing. A second mortgage can cover part of it. $474,586.30 is due at closing. Uses and sources reconcile at $546,942.35 each. Not a Closing Disclosure.