Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$536,834Cash toward the purchase price.
Closing costs + prepaids$13,105Not just lender fees.
Before credits & paid funds$549,939The complete starting cash picture.
Estimated remaining funds due at closing
$549,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$536,834.12
Your down payment$536,834.12
Closing costs + prepaids$13,105.35
Total buyer cash needed$549,939.47
Remaining funds due$549,939.47
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%)$6,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$490.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$469.00
Prepaid interest, first (26 days)$329.02
Fees + prepaids$13,105.35
Your down payment is the seller’s equity. You take over the $98,066 balance, so the rest of the $634,900 price is paid at closing. A second mortgage can cover part of it. $549,939.47 is due at closing. Uses and sources reconcile at $648,005.35 each. Not a Closing Disclosure.