Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$418,083Cash toward the purchase price.
Closing costs + prepaids$12,880Not just lender fees.
Before credits & paid funds$430,963The complete starting cash picture.
Estimated remaining funds due at closing
$430,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$418,082.79
Your down payment$418,082.79
Closing costs + prepaids$12,879.77
Total buyer cash needed$430,962.56
Remaining funds due$430,962.56
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%)$5,749.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$784.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$690.00
Prepaid interest, first (12 days)$187.26
Fees + prepaids$12,879.77
Your down payment is the seller’s equity. You take over the $156,912 balance, so the rest of the $574,995 price is paid at closing. A second mortgage can cover part of it. $430,962.56 is due at closing. Uses and sources reconcile at $587,874.77 each. Not a Closing Disclosure.