Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$441,941Cash toward the purchase price.
Closing costs + prepaids$13,033Not just lender fees.
Before credits & paid funds$454,974The complete starting cash picture.
Estimated remaining funds due at closing
$454,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,940.65
Your down payment$441,940.65
Closing costs + prepaids$13,032.88
Total buyer cash needed$454,973.53
Remaining funds due$454,973.53
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%)$640.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$684.00
Initial HOA (3 months)$402.00
Prepaid interest, first (10 days)$138.58
Fees + prepaids$13,032.88
Your down payment is the seller’s equity. You take over the $128,059 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $454,973.53 is due at closing. Uses and sources reconcile at $583,032.88 each. Not a Closing Disclosure.