Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$524,690Cash toward the purchase price.
Closing costs + prepaids$13,366Not just lender fees.
Before credits & paid funds$538,055The complete starting cash picture.
Estimated remaining funds due at closing
$538,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$524,689.76
Your down payment$524,689.76
Closing costs + prepaids$13,365.67
Total buyer cash needed$538,055.43
Remaining funds due$538,055.43
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$376.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,399.50
Prepaid interest, first (25 days)$123.12
Fees + prepaids$13,365.67
Your down payment is the seller’s equity. You take over the $75,210 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $538,055.43 is due at closing. Uses and sources reconcile at $613,265.67 each. Not a Closing Disclosure.