Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$574,166Cash toward the purchase price.
Closing costs + prepaids$29,776Not just lender fees.
Before credits & paid funds$603,941The complete starting cash picture.
Estimated remaining funds due at closing
$603,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$574,165.54
Your down payment$574,165.54
Closing costs + prepaids$29,775.59
Total buyer cash needed$603,941.12
Remaining funds due$603,941.12
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%)$13,899.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,078.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,475.00
Initial HOA (3 months)$330.00
Prepaid interest, first (27 days)$1,774.16
Fees + prepaids$29,775.59
Your down payment is the seller’s equity. You take over the $815,784 balance, so the rest of the $1,389,950 price is paid at closing. A second mortgage can cover part of it. $603,941.12 is due at closing. Uses and sources reconcile at $1,419,725.59 each. Not a Closing Disclosure.