Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$566,351Cash toward the purchase price.
Closing costs + prepaids$15,250Not just lender fees.
Before credits & paid funds$581,601The complete starting cash picture.
Estimated remaining funds due at closing
$581,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$566,350.91
Your down payment$566,350.91
Closing costs + prepaids$15,250.37
Total buyer cash needed$581,601.27
Remaining funds due$581,601.27
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%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$543.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,265.75
Prepaid interest, first (28 days)$223.37
Fees + prepaids$15,250.37
Your down payment is the seller’s equity. You take over the $108,649 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $581,601.27 is due at closing. Uses and sources reconcile at $690,250.37 each. Not a Closing Disclosure.