Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$480,413Cash toward the purchase price.
Closing costs + prepaids$11,444Not just lender fees.
Before credits & paid funds$491,857The complete starting cash picture.
Estimated remaining funds due at closing
$491,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$480,412.50
Your down payment$480,412.50
Closing costs + prepaids$11,444.33
Total buyer cash needed$491,856.83
Remaining funds due$491,856.83
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%)$222.94
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 (27 days)$96.64
Fees + prepaids$11,444.33
Your down payment is the seller’s equity. You take over the $44,587 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $491,856.83 is due at closing. Uses and sources reconcile at $536,444.33 each. Not a Closing Disclosure.