Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$575,016Cash toward the purchase price.
Closing costs + prepaids$16,915Not just lender fees.
Before credits & paid funds$591,932The complete starting cash picture.
Estimated remaining funds due at closing
$591,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$575,016.42
Your down payment$575,016.42
Closing costs + prepaids$16,915.45
Total buyer cash needed$591,931.87
Remaining funds due$591,931.87
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%)$7,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$999.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,102.75
Initial HOA (3 months)$363.00
Prepaid interest, first (25 days)$483.28
Fees + prepaids$16,915.45
Your down payment is the seller’s equity. You take over the $199,884 balance, so the rest of the $774,900 price is paid at closing. A second mortgage can cover part of it. $591,931.87 is due at closing. Uses and sources reconcile at $791,815.45 each. Not a Closing Disclosure.