Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$591,772Cash toward the purchase price.
Closing costs + prepaids$16,576Not just lender fees.
Before credits & paid funds$608,348The complete starting cash picture.
Estimated remaining funds due at closing
$608,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$591,771.90
Your down payment$591,771.90
Closing costs + prepaids$16,576.04
Total buyer cash needed$608,347.93
Remaining funds due$608,347.93
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%)$7,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$911.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,202.75
Initial HOA (3 months)$201.00
Prepaid interest, first (22 days)$303.15
Fees + prepaids$16,576.04
Your down payment is the seller’s equity. You take over the $182,228 balance, so the rest of the $774,000 price is paid at closing. A second mortgage can cover part of it. $608,347.93 is due at closing. Uses and sources reconcile at $790,576.04 each. Not a Closing Disclosure.