Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$579,222Cash toward the purchase price.
Closing costs + prepaids$19,662Not just lender fees.
Before credits & paid funds$598,884The complete starting cash picture.
Estimated remaining funds due at closing
$598,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$579,222.45
Your down payment$579,222.45
Closing costs + prepaids$19,661.94
Total buyer cash needed$598,884.39
Remaining funds due$598,884.39
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%)$10,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,103.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$706.00
Prepaid interest, first (22 days)$634.05
Fees + prepaids$19,661.94
Your down payment is the seller’s equity. You take over the $420,778 balance, so the rest of the $1,000,000 price is paid at closing. A second mortgage can cover part of it. $598,884.39 is due at closing. Uses and sources reconcile at $1,019,661.94 each. Not a Closing Disclosure.