Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$591,771Cash toward the purchase price.
Closing costs + prepaids$12,791Not just lender fees.
Before credits & paid funds$604,561The complete starting cash picture.
Estimated remaining funds due at closing
$604,561No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$591,770.64
Your down payment$591,770.64
Closing costs + prepaids$12,790.83
Total buyer cash needed$604,561.47
Remaining funds due$604,561.47
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$141.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$836.50
Prepaid interest, first (26 days)$145.18
Fees + prepaids$12,790.83
Your down payment is the seller’s equity. You take over the $28,229 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $604,561.47 is due at closing. Uses and sources reconcile at $632,790.83 each. Not a Closing Disclosure.