Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$441,442Cash toward the purchase price.
Closing costs + prepaids$12,727Not just lender fees.
Before credits & paid funds$454,169The complete starting cash picture.
Estimated remaining funds due at closing
$454,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,442.09
Your down payment$441,442.09
Closing costs + prepaids$12,727.20
Total buyer cash needed$454,169.30
Remaining funds due$454,169.30
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$642.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$500.50
Initial HOA (3 months)$402.00
Prepaid interest, first (1 days)$13.91
Fees + prepaids$12,727.20
Your down payment is the seller’s equity. You take over the $128,558 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $454,169.30 is due at closing. Uses and sources reconcile at $582,727.20 each. Not a Closing Disclosure.