Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$603,961Cash toward the purchase price.
Closing costs + prepaids$19,918Not just lender fees.
Before credits & paid funds$623,879The complete starting cash picture.
Estimated remaining funds due at closing
$623,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$603,960.66
Your down payment$603,960.66
Closing costs + prepaids$19,918.14
Total buyer cash needed$623,878.80
Remaining funds due$623,878.80
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%)$9,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,979.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$875.00
Prepaid interest, first (27 days)$846.44
Fees + prepaids$19,918.14
Your down payment is the seller’s equity. You take over the $395,939 balance, so the rest of the $999,900 price is paid at closing. A second mortgage can cover part of it. $623,878.80 is due at closing. Uses and sources reconcile at $1,019,818.14 each. Not a Closing Disclosure.