Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$430,144Cash toward the purchase price.
Closing costs + prepaids$12,880Not just lender fees.
Before credits & paid funds$443,024The complete starting cash picture.
Estimated remaining funds due at closing
$443,024No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$430,144.46
Your down payment$430,144.46
Closing costs + prepaids$12,879.76
Total buyer cash needed$443,024.22
Remaining funds due$443,024.22
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%)$5,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$673.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$556.50
Initial HOA (3 months)$126.00
Prepaid interest, first (30 days)$406.48
Fees + prepaids$12,879.76
Your down payment is the seller’s equity. You take over the $134,756 balance, so the rest of the $564,900 price is paid at closing. A second mortgage can cover part of it. $443,024.22 is due at closing. Uses and sources reconcile at $577,779.76 each. Not a Closing Disclosure.