Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$426,213Cash toward the purchase price.
Closing costs + prepaids$12,037Not just lender fees.
Before credits & paid funds$438,250The complete starting cash picture.
Estimated remaining funds due at closing
$438,250No 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$12,036.90
Total buyer cash needed$438,249.97
Remaining funds due$438,249.97
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)$650.00
Prepaid interest, first (16 days)$249.96
Fees + prepaids$12,036.90
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. $438,249.97 is due at closing. Uses and sources reconcile at $532,036.90 each. Not a Closing Disclosure.