Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$442,523Cash toward the purchase price.
Closing costs + prepaids$12,901Not just lender fees.
Before credits & paid funds$455,424The complete starting cash picture.
Estimated remaining funds due at closing
$455,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$442,523.23
Your down payment$442,523.23
Closing costs + prepaids$12,900.85
Total buyer cash needed$455,424.08
Remaining funds due$455,424.08
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%)$662.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$690.00
Initial HOA (3 months)$206.01
Prepaid interest, first (9 days)$124.46
Fees + prepaids$12,900.85
Your down payment is the seller’s equity. You take over the $132,477 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $455,424.08 is due at closing. Uses and sources reconcile at $587,900.85 each. Not a Closing Disclosure.