Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$411,206Cash toward the purchase price.
Closing costs + prepaids$12,399Not just lender fees.
Before credits & paid funds$423,606The complete starting cash picture.
Estimated remaining funds due at closing
$423,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$411,206.14
Your down payment$411,206.14
Closing costs + prepaids$12,399.44
Total buyer cash needed$423,605.58
Remaining funds due$423,605.58
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%)$693.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$450.00
Prepaid interest, first (28 days)$287.47
Fees + prepaids$12,399.44
Your down payment is the seller’s equity. You take over the $138,794 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $423,605.58 is due at closing. Uses and sources reconcile at $562,399.44 each. Not a Closing Disclosure.