Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$397,423Cash toward the purchase price.
Closing costs + prepaids$13,181Not just lender fees.
Before credits & paid funds$410,604The complete starting cash picture.
Estimated remaining funds due at closing
$410,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$397,422.66
Your down payment$397,422.66
Closing costs + prepaids$13,181.17
Total buyer cash needed$410,603.83
Remaining funds due$410,603.83
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%)$887.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$559.50
Initial HOA (3 months)$24.99
Prepaid interest, first (26 days)$490.79
Fees + prepaids$13,181.17
Your down payment is the seller’s equity. You take over the $177,577 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $410,603.83 is due at closing. Uses and sources reconcile at $588,181.17 each. Not a Closing Disclosure.