Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$545,539Cash toward the purchase price.
Closing costs + prepaids$12,933Not just lender fees.
Before credits & paid funds$558,472The complete starting cash picture.
Estimated remaining funds due at closing
$558,472No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$545,539.48
Your down payment$545,539.48
Closing costs + prepaids$12,932.71
Total buyer cash needed$558,472.20
Remaining funds due$558,472.20
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%)$147.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,437.50
Prepaid interest, first (29 days)$129.91
Fees + prepaids$12,932.71
Your down payment is the seller’s equity. You take over the $29,461 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $558,472.20 is due at closing. Uses and sources reconcile at $587,932.71 each. Not a Closing Disclosure.