Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$404,455Cash toward the purchase price.
Closing costs + prepaids$15,680Not just lender fees.
Before credits & paid funds$420,135The complete starting cash picture.
Estimated remaining funds due at closing
$420,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$404,455.02
Your down payment$404,455.02
Closing costs + prepaids$15,679.83
Total buyer cash needed$420,134.85
Remaining funds due$420,134.85
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$852.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,443.25
Initial HOA (3 months)$141.00
Prepaid interest, first (2 days)$24.86
Fees + prepaids$15,679.83
Your down payment is the seller’s equity. You take over the $170,545 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $420,134.85 is due at closing. Uses and sources reconcile at $590,679.83 each. Not a Closing Disclosure.