Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$441,529Cash toward the purchase price.
Closing costs + prepaids$12,427Not just lender fees.
Before credits & paid funds$453,956The complete starting cash picture.
Estimated remaining funds due at closing
$453,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,529.32
Your down payment$441,529.32
Closing costs + prepaids$12,426.53
Total buyer cash needed$453,955.85
Remaining funds due$453,955.85
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$642.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$299.75
Prepaid interest, first (31 days)$316.43
Fees + prepaids$12,426.53
Your down payment is the seller’s equity. You take over the $128,471 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $453,955.85 is due at closing. Uses and sources reconcile at $582,426.53 each. Not a Closing Disclosure.