Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$571,818Cash toward the purchase price.
Closing costs + prepaids$19,068Not just lender fees.
Before credits & paid funds$590,886The complete starting cash picture.
Estimated remaining funds due at closing
$590,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$571,818.04
Your down payment$571,818.04
Closing costs + prepaids$19,068.12
Total buyer cash needed$590,886.16
Remaining funds due$590,886.16
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%)$8,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,515.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,722.25
Initial HOA (3 months)$330.99
Prepaid interest, first (27 days)$532.47
Fees + prepaids$19,068.12
Your down payment is the seller’s equity. You take over the $303,082 balance, so the rest of the $874,900 price is paid at closing. A second mortgage can cover part of it. $590,886.16 is due at closing. Uses and sources reconcile at $893,968.12 each. Not a Closing Disclosure.