Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$427,896Cash toward the purchase price.
Closing costs + prepaids$12,783Not just lender fees.
Before credits & paid funds$440,678The complete starting cash picture.
Estimated remaining funds due at closing
$440,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$427,895.82
Your down payment$427,895.82
Closing costs + prepaids$12,782.62
Total buyer cash needed$440,678.43
Remaining funds due$440,678.43
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%)$5,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$705.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$346.25
Prepaid interest, first (31 days)$572.84
Fees + prepaids$12,782.62
Your down payment is the seller’s equity. You take over the $141,104 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $440,678.43 is due at closing. Uses and sources reconcile at $581,782.62 each. Not a Closing Disclosure.