Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$419,271Cash toward the purchase price.
Closing costs + prepaids$14,437Not just lender fees.
Before credits & paid funds$433,708The complete starting cash picture.
Estimated remaining funds due at closing
$433,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$419,270.69
Your down payment$419,270.69
Closing costs + prepaids$14,437.13
Total buyer cash needed$433,707.82
Remaining funds due$433,707.82
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%)$653.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,849.50
Initial HOA (3 months)$546.00
Prepaid interest, first (26 days)$419.98
Fees + prepaids$14,437.13
Your down payment is the seller’s equity. You take over the $130,729 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $433,707.82 is due at closing. Uses and sources reconcile at $564,437.13 each. Not a Closing Disclosure.