Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$459,790Cash toward the purchase price.
Closing costs + prepaids$13,803Not just lender fees.
Before credits & paid funds$473,593The complete starting cash picture.
Estimated remaining funds due at closing
$473,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$459,790.01
Your down payment$459,790.01
Closing costs + prepaids$13,802.63
Total buyer cash needed$473,592.64
Remaining funds due$473,592.64
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%)$876.05
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 (20 days)$268.82
Fees + prepaids$13,802.63
Your down payment is the seller’s equity. You take over the $175,210 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $473,592.64 is due at closing. Uses and sources reconcile at $648,802.63 each. Not a Closing Disclosure.