Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$536,815Cash toward the purchase price.
Closing costs + prepaids$12,073Not just lender fees.
Before credits & paid funds$548,888The complete starting cash picture.
Estimated remaining funds due at closing
$548,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$536,815.43
Your down payment$536,815.43
Closing costs + prepaids$12,072.84
Total buyer cash needed$548,888.27
Remaining funds due$548,888.27
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$240.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$396.00
Prepaid interest, first (28 days)$117.91
Fees + prepaids$12,072.84
Your down payment is the seller’s equity. You take over the $48,185 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $548,888.27 is due at closing. Uses and sources reconcile at $597,072.84 each. Not a Closing Disclosure.