Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$577,616Cash toward the purchase price.
Closing costs + prepaids$23,550Not just lender fees.
Before credits & paid funds$601,166The complete starting cash picture.
Estimated remaining funds due at closing
$601,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$577,616.14
Your down payment$577,616.14
Closing costs + prepaids$23,549.80
Total buyer cash needed$601,165.94
Remaining funds due$601,165.94
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%)$10,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,511.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,699.75
Prepaid interest, first (28 days)$1,321.63
Fees + prepaids$23,549.80
Your down payment is the seller’s equity. You take over the $502,284 balance, so the rest of the $1,079,900 price is paid at closing. A second mortgage can cover part of it. $601,165.94 is due at closing. Uses and sources reconcile at $1,103,449.80 each. Not a Closing Disclosure.