Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$448,101Cash toward the purchase price.
Closing costs + prepaids$12,796Not just lender fees.
Before credits & paid funds$460,896The complete starting cash picture.
Estimated remaining funds due at closing
$460,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$448,100.55
Your down payment$448,100.55
Closing costs + prepaids$12,795.55
Total buyer cash needed$460,896.11
Remaining funds due$460,896.11
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%)$634.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$690.00
Initial HOA (3 months)$137.49
Prepaid interest, first (12 days)$115.57
Fees + prepaids$12,795.55
Your down payment is the seller’s equity. You take over the $126,899 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $460,896.11 is due at closing. Uses and sources reconcile at $587,795.55 each. Not a Closing Disclosure.