Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$402,631Cash toward the purchase price.
Closing costs + prepaids$13,137Not just lender fees.
Before credits & paid funds$415,768The complete starting cash picture.
Estimated remaining funds due at closing
$415,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$402,631.37
Your down payment$402,631.37
Closing costs + prepaids$13,137.08
Total buyer cash needed$415,768.45
Remaining funds due$415,768.45
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%)$861.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$868.75
Initial HOA (3 months)$174.51
Prepaid interest, first (1 days)$13.98
Fees + prepaids$13,137.08
Your down payment is the seller’s equity. You take over the $172,369 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $415,768.45 is due at closing. Uses and sources reconcile at $588,137.08 each. Not a Closing Disclosure.