Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$476,769Cash toward the purchase price.
Closing costs + prepaids$13,554Not just lender fees.
Before credits & paid funds$490,323The complete starting cash picture.
Estimated remaining funds due at closing
$490,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$476,768.84
Your down payment$476,768.84
Closing costs + prepaids$13,554.13
Total buyer cash needed$490,322.97
Remaining funds due$490,322.97
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%)$6,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$811.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$766.75
Prepaid interest, first (7 days)$118.23
Fees + prepaids$13,554.13
Your down payment is the seller’s equity. You take over the $162,231 balance, so the rest of the $639,000 price is paid at closing. A second mortgage can cover part of it. $490,322.97 is due at closing. Uses and sources reconcile at $652,554.13 each. Not a Closing Disclosure.