Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$403,026Cash toward the purchase price.
Closing costs + prepaids$13,553Not just lender fees.
Before credits & paid funds$416,579The complete starting cash picture.
Estimated remaining funds due at closing
$416,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$403,025.56
Your down payment$403,025.56
Closing costs + prepaids$13,553.47
Total buyer cash needed$416,579.03
Remaining funds due$416,579.03
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$859.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$868.75
Initial HOA (3 months)$174.51
Prepaid interest, first (31 days)$432.34
Fees + prepaids$13,553.47
Your down payment is the seller’s equity. You take over the $171,974 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $416,579.03 is due at closing. Uses and sources reconcile at $588,553.47 each. Not a Closing Disclosure.