Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$427,255Cash toward the purchase price.
Closing costs + prepaids$12,232Not just lender fees.
Before credits & paid funds$439,487The complete starting cash picture.
Estimated remaining funds due at closing
$439,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$427,255.33
Your down payment$427,255.33
Closing costs + prepaids$12,231.54
Total buyer cash needed$439,486.86
Remaining funds due$439,486.86
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%)$5,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$708.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$346.25
Prepaid interest, first (1 days)$18.56
Fees + prepaids$12,231.54
Your down payment is the seller’s equity. You take over the $141,745 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $439,486.86 is due at closing. Uses and sources reconcile at $581,231.54 each. Not a Closing Disclosure.