Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$479,353Cash toward the purchase price.
Closing costs + prepaids$11,360Not just lender fees.
Before credits & paid funds$490,713The complete starting cash picture.
Estimated remaining funds due at closing
$490,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$479,352.59
Your down payment$479,352.59
Closing costs + prepaids$11,360.32
Total buyer cash needed$490,712.91
Remaining funds due$490,712.91
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$228.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$406.75
Prepaid interest, first (2 days)$7.33
Fees + prepaids$11,360.32
Your down payment is the seller’s equity. You take over the $45,647 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $490,712.91 is due at closing. Uses and sources reconcile at $536,360.32 each. Not a Closing Disclosure.