Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$582,351Cash toward the purchase price.
Closing costs + prepaids$20,409Not just lender fees.
Before credits & paid funds$602,760The complete starting cash picture.
Estimated remaining funds due at closing
$602,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$582,351.09
Your down payment$582,351.09
Closing costs + prepaids$20,408.86
Total buyer cash needed$602,759.95
Remaining funds due$602,759.95
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%)$9,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,037.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,209.00
Prepaid interest, first (24 days)$1,045.11
Fees + prepaids$20,408.86
Your down payment is the seller’s equity. You take over the $407,549 balance, so the rest of the $989,900 price is paid at closing. A second mortgage can cover part of it. $602,759.95 is due at closing. Uses and sources reconcile at $1,010,308.86 each. Not a Closing Disclosure.