Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$452,760Cash toward the purchase price.
Closing costs + prepaids$13,288Not just lender fees.
Before credits & paid funds$466,047The complete starting cash picture.
Estimated remaining funds due at closing
$466,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$452,759.56
Your down payment$452,759.56
Closing costs + prepaids$13,287.56
Total buyer cash needed$466,047.12
Remaining funds due$466,047.12
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$736.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$750.00
Initial HOA (3 months)$30.00
Prepaid interest, first (16 days)$303.36
Fees + prepaids$13,287.56
Your down payment is the seller’s equity. You take over the $147,240 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $466,047.12 is due at closing. Uses and sources reconcile at $613,287.56 each. Not a Closing Disclosure.