Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$583,557Cash toward the purchase price.
Closing costs + prepaids$27,026Not just lender fees.
Before credits & paid funds$610,583The complete starting cash picture.
Estimated remaining funds due at closing
$610,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$583,556.66
Your down payment$583,556.66
Closing costs + prepaids$27,026.22
Total buyer cash needed$610,582.88
Remaining funds due$610,582.88
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%)$12,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,457.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,090.25
Prepaid interest, first (29 days)$1,510.76
Fees + prepaids$27,026.22
Your down payment is the seller’s equity. You take over the $691,443 balance, so the rest of the $1,275,000 price is paid at closing. A second mortgage can cover part of it. $610,582.88 is due at closing. Uses and sources reconcile at $1,302,026.22 each. Not a Closing Disclosure.