Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$591,475Cash toward the purchase price.
Closing costs + prepaids$13,429Not just lender fees.
Before credits & paid funds$604,904The complete starting cash picture.
Estimated remaining funds due at closing
$604,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$591,475.46
Your down payment$591,475.46
Closing costs + prepaids$13,428.99
Total buyer cash needed$604,904.45
Remaining funds due$604,904.45
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%)$142.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,550.00
Prepaid interest, first (27 days)$68.37
Fees + prepaids$13,428.99
Your down payment is the seller’s equity. You take over the $28,525 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $604,904.45 is due at closing. Uses and sources reconcile at $633,428.99 each. Not a Closing Disclosure.