Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$477,817Cash toward the purchase price.
Closing costs + prepaids$20,252Not just lender fees.
Before credits & paid funds$498,069The complete starting cash picture.
Estimated remaining funds due at closing
$498,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$477,817.12
Your down payment$477,817.12
Closing costs + prepaids$20,251.68
Total buyer cash needed$498,068.81
Remaining funds due$498,068.81
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%)$9,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,335.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,181.25
Prepaid interest, first (13 days)$1,068.02
Fees + prepaids$20,251.68
Your down payment is the seller’s equity. You take over the $467,083 balance, so the rest of the $944,900 price is paid at closing. A second mortgage can cover part of it. $498,068.81 is due at closing. Uses and sources reconcile at $965,151.68 each. Not a Closing Disclosure.