Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$483,437Cash toward the purchase price.
Closing costs + prepaids$29,735Not just lender fees.
Before credits & paid funds$513,172The complete starting cash picture.
Estimated remaining funds due at closing
$513,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$483,436.67
Your down payment$483,436.67
Closing costs + prepaids$29,735.37
Total buyer cash needed$513,172.05
Remaining funds due$513,172.05
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%)$14,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,732.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,787.50
Prepaid interest, first (16 days)$2,697.06
Fees + prepaids$29,735.37
Your down payment is the seller’s equity. You take over the $946,563 balance, so the rest of the $1,430,000 price is paid at closing. A second mortgage can cover part of it. $513,172.05 is due at closing. Uses and sources reconcile at $1,459,735.37 each. Not a Closing Disclosure.