Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$414,450Cash toward the purchase price.
Closing costs + prepaids$15,760Not just lender fees.
Before credits & paid funds$430,210The complete starting cash picture.
Estimated remaining funds due at closing
$430,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$414,449.70
Your down payment$414,449.70
Closing costs + prepaids$15,760.20
Total buyer cash needed$430,209.90
Remaining funds due$430,209.90
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$722.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,397.50
Initial HOA (3 months)$2,274.00
Prepaid interest, first (24 days)$307.95
Fees + prepaids$15,760.20
Your down payment is the seller’s equity. You take over the $144,550 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $430,209.90 is due at closing. Uses and sources reconcile at $574,760.20 each. Not a Closing Disclosure.