Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$477,609Cash toward the purchase price.
Closing costs + prepaids$13,911Not just lender fees.
Before credits & paid funds$491,520The complete starting cash picture.
Estimated remaining funds due at closing
$491,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$477,608.54
Your down payment$477,608.54
Closing costs + prepaids$13,911.47
Total buyer cash needed$491,520.01
Remaining funds due$491,520.01
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%)$6,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$861.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$812.50
Prepaid interest, first (16 days)$269.02
Fees + prepaids$13,911.47
Your down payment is the seller’s equity. You take over the $172,390 balance, so the rest of the $649,999 price is paid at closing. A second mortgage can cover part of it. $491,520.01 is due at closing. Uses and sources reconcile at $663,910.47 each. Not a Closing Disclosure.