Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$574,987Cash toward the purchase price.
Closing costs + prepaids$14,397Not just lender fees.
Before credits & paid funds$589,384The complete starting cash picture.
Estimated remaining funds due at closing
$589,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$574,986.98
Your down payment$574,986.98
Closing costs + prepaids$14,397.02
Total buyer cash needed$589,384.00
Remaining funds due$589,384.00
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%)$6,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$274.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,243.75
Prepaid interest, first (27 days)$111.71
Fees + prepaids$14,397.02
Your down payment is the seller’s equity. You take over the $54,913 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $589,384.00 is due at closing. Uses and sources reconcile at $644,297.02 each. Not a Closing Disclosure.