Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$553,553Cash toward the purchase price.
Closing costs + prepaids$13,849Not just lender fees.
Before credits & paid funds$567,402The complete starting cash picture.
Estimated remaining funds due at closing
$567,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$553,553.30
Your down payment$553,553.30
Closing costs + prepaids$13,848.99
Total buyer cash needed$567,402.30
Remaining funds due$567,402.30
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%)$6,485.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$474.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$994.00
Prepaid interest, first (25 days)$427.26
Fees + prepaids$13,848.99
Your down payment is the seller’s equity. You take over the $94,947 balance, so the rest of the $648,500 price is paid at closing. A second mortgage can cover part of it. $567,402.30 is due at closing. Uses and sources reconcile at $662,348.99 each. Not a Closing Disclosure.