Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$568,366Cash toward the purchase price.
Closing costs + prepaids$14,964Not just lender fees.
Before credits & paid funds$583,330The complete starting cash picture.
Estimated remaining funds due at closing
$583,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$568,366.43
Your down payment$568,366.43
Closing costs + prepaids$14,963.50
Total buyer cash needed$583,329.93
Remaining funds due$583,329.93
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%)$6,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$583.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,712.50
Prepaid interest, first (28 days)$349.84
Fees + prepaids$14,963.50
Your down payment is the seller’s equity. You take over the $116,634 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $583,329.93 is due at closing. Uses and sources reconcile at $699,963.50 each. Not a Closing Disclosure.