Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$428,712Cash toward the purchase price.
Closing costs + prepaids$13,204Not just lender fees.
Before credits & paid funds$441,916The complete starting cash picture.
Estimated remaining funds due at closing
$441,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,711.64
Your down payment$428,711.64
Closing costs + prepaids$13,204.08
Total buyer cash needed$441,915.72
Remaining funds due$441,915.72
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$506.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,325.00
Initial HOA (3 months)$270.00
Prepaid interest, first (31 days)$334.64
Fees + prepaids$13,204.08
Your down payment is the seller’s equity. You take over the $101,288 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $441,915.72 is due at closing. Uses and sources reconcile at $543,204.08 each. Not a Closing Disclosure.