Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$446,370Cash toward the purchase price.
Closing costs + prepaids$12,682Not just lender fees.
Before credits & paid funds$459,052The complete starting cash picture.
Estimated remaining funds due at closing
$459,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$446,370.23
Your down payment$446,370.23
Closing costs + prepaids$12,681.83
Total buyer cash needed$459,052.06
Remaining funds due$459,052.06
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$643.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$63.00
Initial HOA (3 months)$348.00
Prepaid interest, first (31 days)$409.68
Fees + prepaids$12,681.83
Your down payment is the seller’s equity. You take over the $128,630 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $459,052.06 is due at closing. Uses and sources reconcile at $587,681.83 each. Not a Closing Disclosure.