Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$611,355Cash toward the purchase price.
Closing costs + prepaids$31,945Not just lender fees.
Before credits & paid funds$643,300The complete starting cash picture.
Estimated remaining funds due at closing
$643,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$611,355.47
Your down payment$611,355.47
Closing costs + prepaids$31,945.02
Total buyer cash needed$643,300.49
Remaining funds due$643,300.49
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%)$14,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,442.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,749.75
Initial HOA (3 months)$627.00
Prepaid interest, first (28 days)$1,908.54
Fees + prepaids$31,945.02
Your down payment is the seller’s equity. You take over the $888,545 balance, so the rest of the $1,499,900 price is paid at closing. A second mortgage can cover part of it. $643,300.49 is due at closing. Uses and sources reconcile at $1,531,845.02 each. Not a Closing Disclosure.