Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$436,786Cash toward the purchase price.
Closing costs + prepaids$12,158Not just lender fees.
Before credits & paid funds$448,944The complete starting cash picture.
Estimated remaining funds due at closing
$448,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$436,786.14
Your down payment$436,786.14
Closing costs + prepaids$12,157.69
Total buyer cash needed$448,943.84
Remaining funds due$448,943.84
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%)$5,409.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$521.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$408.50
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$14.27
Fees + prepaids$12,157.69
Your down payment is the seller’s equity. You take over the $104,204 balance, so the rest of the $540,990 price is paid at closing. A second mortgage can cover part of it. $448,943.84 is due at closing. Uses and sources reconcile at $553,147.69 each. Not a Closing Disclosure.