Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$459,366Cash toward the purchase price.
Closing costs + prepaids$13,549Not just lender fees.
Before credits & paid funds$472,915The complete starting cash picture.
Estimated remaining funds due at closing
$472,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$459,365.67
Your down payment$459,365.67
Closing costs + prepaids$13,549.40
Total buyer cash needed$472,915.07
Remaining funds due$472,915.07
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$878.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$624.75
Initial HOA (3 months)$215.01
Prepaid interest, first (1 days)$13.47
Fees + prepaids$13,549.40
Your down payment is the seller’s equity. You take over the $175,634 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $472,915.07 is due at closing. Uses and sources reconcile at $648,549.40 each. Not a Closing Disclosure.