Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$591,798Cash toward the purchase price.
Closing costs + prepaids$25,521Not just lender fees.
Before credits & paid funds$617,319The complete starting cash picture.
Estimated remaining funds due at closing
$617,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$591,798.12
Your down payment$591,798.12
Closing costs + prepaids$25,521.18
Total buyer cash needed$617,319.30
Remaining funds due$617,319.30
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%)$9,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,031.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,948.75
Initial HOA (3 months)$534.99
Prepaid interest, first (25 days)$1,808.43
Fees + prepaids$25,521.18
Your down payment is the seller’s equity. You take over the $406,202 balance, so the rest of the $998,000 price is paid at closing. A second mortgage can cover part of it. $617,319.30 is due at closing. Uses and sources reconcile at $1,023,521.18 each. Not a Closing Disclosure.