Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$521,001Cash toward the purchase price.
Closing costs + prepaids$14,614Not just lender fees.
Before credits & paid funds$535,615The complete starting cash picture.
Estimated remaining funds due at closing
$535,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$521,000.95
Your down payment$521,000.95
Closing costs + prepaids$14,614.48
Total buyer cash needed$535,615.44
Remaining funds due$535,615.44
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%)$6,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$745.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,292.25
Prepaid interest, first (25 days)$409.24
Fees + prepaids$14,614.48
Your down payment is the seller’s equity. You take over the $148,999 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $535,615.44 is due at closing. Uses and sources reconcile at $684,614.48 each. Not a Closing Disclosure.