Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$602,720Cash toward the purchase price.
Closing costs + prepaids$23,677Not just lender fees.
Before credits & paid funds$626,397The complete starting cash picture.
Estimated remaining funds due at closing
$626,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$602,719.93
Your down payment$602,719.93
Closing costs + prepaids$23,676.77
Total buyer cash needed$626,396.70
Remaining funds due$626,396.70
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%)$11,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,736.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$915.25
Prepaid interest, first (23 days)$2,307.12
Fees + prepaids$23,676.77
Your down payment is the seller’s equity. You take over the $547,280 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $626,396.70 is due at closing. Uses and sources reconcile at $1,173,676.77 each. Not a Closing Disclosure.