Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$440,198Cash toward the purchase price.
Closing costs + prepaids$12,751Not just lender fees.
Before credits & paid funds$452,949The complete starting cash picture.
Estimated remaining funds due at closing
$452,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$440,197.55
Your down payment$440,197.55
Closing costs + prepaids$12,751.04
Total buyer cash needed$452,948.58
Remaining funds due$452,948.58
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%)$5,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$694.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$694.75
Prepaid interest, first (6 days)$104.27
Fees + prepaids$12,751.04
Your down payment is the seller’s equity. You take over the $138,802 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $452,948.58 is due at closing. Uses and sources reconcile at $591,751.04 each. Not a Closing Disclosure.