Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$401,573Cash toward the purchase price.
Closing costs + prepaids$14,669Not just lender fees.
Before credits & paid funds$416,242The complete starting cash picture.
Estimated remaining funds due at closing
$416,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$401,573.00
Your down payment$401,573.00
Closing costs + prepaids$14,669.17
Total buyer cash needed$416,242.18
Remaining funds due$416,242.18
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%)$867.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,661.00
Initial HOA (3 months)$440.01
Prepaid interest, first (23 days)$483.03
Fees + prepaids$14,669.17
Your down payment is the seller’s equity. You take over the $173,427 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $416,242.18 is due at closing. Uses and sources reconcile at $589,669.17 each. Not a Closing Disclosure.