Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$431,860Cash toward the purchase price.
Closing costs + prepaids$13,038Not just lender fees.
Before credits & paid funds$444,898The complete starting cash picture.
Estimated remaining funds due at closing
$444,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$431,859.85
Your down payment$431,859.85
Closing costs + prepaids$13,037.81
Total buyer cash needed$444,897.65
Remaining funds due$444,897.65
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%)$5,649.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$665.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$766.25
Initial HOA (3 months)$159.00
Prepaid interest, first (23 days)$328.87
Fees + prepaids$13,037.81
Your down payment is the seller’s equity. You take over the $133,139 balance, so the rest of the $564,999 price is paid at closing. A second mortgage can cover part of it. $444,897.65 is due at closing. Uses and sources reconcile at $578,036.81 each. Not a Closing Disclosure.