Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$413,439Cash toward the purchase price.
Closing costs + prepaids$12,902Not just lender fees.
Before credits & paid funds$426,341The complete starting cash picture.
Estimated remaining funds due at closing
$426,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$413,439.29
Your down payment$413,439.29
Closing costs + prepaids$12,901.67
Total buyer cash needed$426,340.96
Remaining funds due$426,340.96
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%)$807.80
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)$45.24
Prepaid interest, first (9 days)$140.62
Fees + prepaids$12,901.67
Your down payment is the seller’s equity. You take over the $161,561 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $426,340.96 is due at closing. Uses and sources reconcile at $587,901.67 each. Not a Closing Disclosure.