Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$527,730Cash toward the purchase price.
Closing costs + prepaids$13,111Not just lender fees.
Before credits & paid funds$540,842The complete starting cash picture.
Estimated remaining funds due at closing
$540,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$527,730.43
Your down payment$527,730.43
Closing costs + prepaids$13,111.30
Total buyer cash needed$540,841.73
Remaining funds due$540,841.73
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$411.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$874.75
Initial HOA (3 months)$30.00
Prepaid interest, first (28 days)$227.20
Fees + prepaids$13,111.30
Your down payment is the seller’s equity. You take over the $82,270 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $540,841.73 is due at closing. Uses and sources reconcile at $623,111.30 each. Not a Closing Disclosure.