Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$416,605Cash toward the purchase price.
Closing costs + prepaids$14,145Not just lender fees.
Before credits & paid funds$430,750The complete starting cash picture.
Estimated remaining funds due at closing
$430,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$416,604.79
Your down payment$416,604.79
Closing costs + prepaids$14,144.98
Total buyer cash needed$430,749.77
Remaining funds due$430,749.77
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$891.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$879.00
Initial HOA (3 months)$450.00
Prepaid interest, first (29 days)$506.01
Fees + prepaids$14,144.98
Your down payment is the seller’s equity. You take over the $178,395 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $430,749.77 is due at closing. Uses and sources reconcile at $609,144.98 each. Not a Closing Disclosure.