Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$405,192Cash toward the purchase price.
Closing costs + prepaids$15,936Not just lender fees.
Before credits & paid funds$421,128The complete starting cash picture.
Estimated remaining funds due at closing
$421,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$405,192.02
Your down payment$405,192.02
Closing costs + prepaids$15,935.92
Total buyer cash needed$421,127.93
Remaining funds due$421,127.93
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%)$849.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,443.25
Initial HOA (3 months)$141.00
Prepaid interest, first (23 days)$284.63
Fees + prepaids$15,935.92
Your down payment is the seller’s equity. You take over the $169,808 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $421,127.93 is due at closing. Uses and sources reconcile at $590,935.92 each. Not a Closing Disclosure.