Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$438,932Cash toward the purchase price.
Closing costs + prepaids$13,534Not just lender fees.
Before credits & paid funds$452,466The complete starting cash picture.
Estimated remaining funds due at closing
$452,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$438,931.60
Your down payment$438,931.60
Closing costs + prepaids$13,534.42
Total buyer cash needed$452,466.02
Remaining funds due$452,466.02
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$679.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,153.00
Initial HOA (3 months)$210.00
Prepaid interest, first (27 days)$274.58
Fees + prepaids$13,534.42
Your down payment is the seller’s equity. You take over the $135,968 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $452,466.02 is due at closing. Uses and sources reconcile at $588,434.42 each. Not a Closing Disclosure.