Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$448,996Cash toward the purchase price.
Closing costs + prepaids$13,396Not just lender fees.
Before credits & paid funds$462,392The complete starting cash picture.
Estimated remaining funds due at closing
$462,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$448,995.71
Your down payment$448,995.71
Closing costs + prepaids$13,396.11
Total buyer cash needed$462,391.82
Remaining funds due$462,391.82
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%)$830.02
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 (18 days)$236.59
Fees + prepaids$13,396.11
Your down payment is the seller’s equity. You take over the $166,004 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $462,391.82 is due at closing. Uses and sources reconcile at $628,396.11 each. Not a Closing Disclosure.