Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$564,553Cash toward the purchase price.
Closing costs + prepaids$12,366Not just lender fees.
Before credits & paid funds$576,919The complete starting cash picture.
Estimated remaining funds due at closing
$576,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$564,553.02
Your down payment$564,553.02
Closing costs + prepaids$12,365.91
Total buyer cash needed$576,918.93
Remaining funds due$576,918.93
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$152.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$688.00
Prepaid interest, first (28 days)$107.67
Fees + prepaids$12,365.91
Your down payment is the seller’s equity. You take over the $30,447 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $576,918.93 is due at closing. Uses and sources reconcile at $607,365.91 each. Not a Closing Disclosure.