Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$579,599Cash toward the purchase price.
Closing costs + prepaids$20,845Not just lender fees.
Before credits & paid funds$600,443The complete starting cash picture.
Estimated remaining funds due at closing
$600,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$579,598.53
Your down payment$579,598.53
Closing costs + prepaids$20,844.57
Total buyer cash needed$600,443.10
Remaining funds due$600,443.10
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%)$9,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,797.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,347.50
Initial HOA (3 months)$390.00
Prepaid interest, first (23 days)$702.06
Fees + prepaids$20,844.57
Your down payment is the seller’s equity. You take over the $359,401 balance, so the rest of the $939,000 price is paid at closing. A second mortgage can cover part of it. $600,443.10 is due at closing. Uses and sources reconcile at $959,844.57 each. Not a Closing Disclosure.