Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$451,072Cash toward the purchase price.
Closing costs + prepaids$12,563Not just lender fees.
Before credits & paid funds$463,635The complete starting cash picture.
Estimated remaining funds due at closing
$463,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$451,072.27
Your down payment$451,072.27
Closing costs + prepaids$12,562.95
Total buyer cash needed$463,635.22
Remaining funds due$463,635.22
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%)$619.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$411.25
Prepaid interest, first (25 days)$314.06
Fees + prepaids$12,562.95
Your down payment is the seller’s equity. You take over the $123,928 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $463,635.22 is due at closing. Uses and sources reconcile at $587,562.95 each. Not a Closing Disclosure.