Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$438,101Cash toward the purchase price.
Closing costs + prepaids$12,626Not just lender fees.
Before credits & paid funds$450,726The complete starting cash picture.
Estimated remaining funds due at closing
$450,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$438,100.55
Your down payment$438,100.55
Closing costs + prepaids$12,625.77
Total buyer cash needed$450,726.32
Remaining funds due$450,726.32
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%)$5,650.00
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)$678.00
Initial HOA (3 months)$137.49
Prepaid interest, first (6 days)$57.78
Fees + prepaids$12,625.77
Your down payment is the seller’s equity. You take over the $126,899 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $450,726.32 is due at closing. Uses and sources reconcile at $577,625.77 each. Not a Closing Disclosure.