Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$574,027Cash toward the purchase price.
Closing costs + prepaids$15,087Not just lender fees.
Before credits & paid funds$589,114The complete starting cash picture.
Estimated remaining funds due at closing
$589,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$574,026.57
Your down payment$574,026.57
Closing costs + prepaids$15,087.49
Total buyer cash needed$589,114.06
Remaining funds due$589,114.06
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%)$6,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$529.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,699.75
Initial HOA (3 months)$315.00
Prepaid interest, first (24 days)$276.37
Fees + prepaids$15,087.49
Your down payment is the seller’s equity. You take over the $105,873 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $589,114.06 is due at closing. Uses and sources reconcile at $694,987.49 each. Not a Closing Disclosure.