Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$442,137Cash toward the purchase price.
Closing costs + prepaids$12,649Not just lender fees.
Before credits & paid funds$454,787The complete starting cash picture.
Estimated remaining funds due at closing
$454,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$442,137.28
Your down payment$442,137.28
Closing costs + prepaids$12,649.44
Total buyer cash needed$454,786.73
Remaining funds due$454,786.73
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%)$664.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$547.25
Initial HOA (3 months)$206.01
Prepaid interest, first (1 days)$13.87
Fees + prepaids$12,649.44
Your down payment is the seller’s equity. You take over the $132,863 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $454,786.73 is due at closing. Uses and sources reconcile at $587,649.44 each. Not a Closing Disclosure.