Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$516,958Cash toward the purchase price.
Closing costs + prepaids$12,731Not just lender fees.
Before credits & paid funds$529,690The complete starting cash picture.
Estimated remaining funds due at closing
$529,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$516,958.22
Your down payment$516,958.22
Closing costs + prepaids$12,731.45
Total buyer cash needed$529,689.68
Remaining funds due$529,689.68
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%)$5,987.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$408.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$698.75
Prepaid interest, first (22 days)$168.99
Fees + prepaids$12,731.45
Your down payment is the seller’s equity. You take over the $81,742 balance, so the rest of the $598,700 price is paid at closing. A second mortgage can cover part of it. $529,689.68 is due at closing. Uses and sources reconcile at $611,431.45 each. Not a Closing Disclosure.