Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$418,048Cash toward the purchase price.
Closing costs + prepaids$14,769Not just lender fees.
Before credits & paid funds$432,817The complete starting cash picture.
Estimated remaining funds due at closing
$432,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$418,047.51
Your down payment$418,047.51
Closing costs + prepaids$14,769.18
Total buyer cash needed$432,816.69
Remaining funds due$432,816.69
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$684.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,387.50
Initial HOA (3 months)$1,266.00
Prepaid interest, first (31 days)$412.92
Fees + prepaids$14,769.18
Your down payment is the seller’s equity. You take over the $136,952 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $432,816.69 is due at closing. Uses and sources reconcile at $569,769.18 each. Not a Closing Disclosure.