Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$424,823Cash toward the purchase price.
Closing costs + prepaids$12,453Not just lender fees.
Before credits & paid funds$437,276The complete starting cash picture.
Estimated remaining funds due at closing
$437,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$424,823.43
Your down payment$424,823.43
Closing costs + prepaids$12,452.60
Total buyer cash needed$437,276.03
Remaining funds due$437,276.03
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$625.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$554.75
Initial HOA (3 months)$291.00
Prepaid interest, first (1 days)$12.96
Fees + prepaids$12,452.60
Your down payment is the seller’s equity. You take over the $125,177 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $437,276.03 is due at closing. Uses and sources reconcile at $562,452.60 each. Not a Closing Disclosure.