Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$441,615Cash toward the purchase price.
Closing costs + prepaids$10,831Not just lender fees.
Before credits & paid funds$452,446The complete starting cash picture.
Estimated remaining funds due at closing
$452,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,615.28
Your down payment$441,615.28
Closing costs + prepaids$10,830.57
Total buyer cash needed$452,445.85
Remaining funds due$452,445.85
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$91.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$575.00
Initial HOA (3 months)$45.00
Prepaid interest, first (15 days)$52.15
Fees + prepaids$10,830.57
Your down payment is the seller’s equity. You take over the $18,285 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $452,445.85 is due at closing. Uses and sources reconcile at $470,730.57 each. Not a Closing Disclosure.