Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$416,386Cash toward the purchase price.
Closing costs + prepaids$13,619Not just lender fees.
Before credits & paid funds$430,005The complete starting cash picture.
Estimated remaining funds due at closing
$430,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$416,386.47
Your down payment$416,386.47
Closing costs + prepaids$13,618.60
Total buyer cash needed$430,005.07
Remaining funds due$430,005.07
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$668.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,535.00
Initial HOA (3 months)$162.00
Prepaid interest, first (26 days)$285.53
Fees + prepaids$13,618.60
Your down payment is the seller’s equity. You take over the $133,614 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $430,005.07 is due at closing. Uses and sources reconcile at $563,618.60 each. Not a Closing Disclosure.