Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$448,597Cash toward the purchase price.
Closing costs + prepaids$13,175Not just lender fees.
Before credits & paid funds$461,771The complete starting cash picture.
Estimated remaining funds due at closing
$461,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$448,596.57
Your down payment$448,596.57
Closing costs + prepaids$13,174.69
Total buyer cash needed$461,771.26
Remaining funds due$461,771.26
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$832.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$711.50
Prepaid interest, first (1 days)$13.18
Fees + prepaids$13,174.69
Your down payment is the seller’s equity. You take over the $166,403 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $461,771.26 is due at closing. Uses and sources reconcile at $628,174.69 each. Not a Closing Disclosure.