Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$457,628Cash toward the purchase price.
Closing costs + prepaids$15,670Not just lender fees.
Before credits & paid funds$473,298The complete starting cash picture.
Estimated remaining funds due at closing
$473,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$457,627.70
Your down payment$457,627.70
Closing costs + prepaids$15,669.85
Total buyer cash needed$473,297.54
Remaining funds due$473,297.54
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%)$6,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$856.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,572.50
Initial HOA (3 months)$1,185.00
Prepaid interest, first (18 days)$297.48
Fees + prepaids$15,669.85
Your down payment is the seller’s equity. You take over the $171,372 balance, so the rest of the $629,000 price is paid at closing. A second mortgage can cover part of it. $473,297.54 is due at closing. Uses and sources reconcile at $644,669.85 each. Not a Closing Disclosure.