Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$427,896Cash toward the purchase price.
Closing costs + prepaids$12,635Not just lender fees.
Before credits & paid funds$440,531The complete starting cash picture.
Estimated remaining funds due at closing
$440,531No 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$12,634.78
Total buyer cash needed$440,530.60
Remaining funds due$440,530.60
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 (23 days)$425.01
Fees + prepaids$12,634.78
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. $440,530.60 is due at closing. Uses and sources reconcile at $581,634.78 each. Not a Closing Disclosure.