Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$417,152Cash toward the purchase price.
Closing costs + prepaids$12,876Not just lender fees.
Before credits & paid funds$430,028The complete starting cash picture.
Estimated remaining funds due at closing
$430,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$417,151.78
Your down payment$417,151.78
Closing costs + prepaids$12,875.86
Total buyer cash needed$430,027.64
Remaining funds due$430,027.64
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$739.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$681.25
Initial HOA (3 months)$309.99
Prepaid interest, first (1 days)$27.38
Fees + prepaids$12,875.86
Your down payment is the seller’s equity. You take over the $147,848 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $430,027.64 is due at closing. Uses and sources reconcile at $577,875.86 each. Not a Closing Disclosure.