Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$593,134Cash toward the purchase price.
Closing costs + prepaids$28,216Not just lender fees.
Before credits & paid funds$621,350The complete starting cash picture.
Estimated remaining funds due at closing
$621,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$593,134.10
Your down payment$593,134.10
Closing costs + prepaids$28,215.93
Total buyer cash needed$621,350.03
Remaining funds due$621,350.03
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%)$13,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,784.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,469.00
Initial HOA (3 months)$495.00
Prepaid interest, first (26 days)$2,749.60
Fees + prepaids$28,215.93
Your down payment is the seller’s equity. You take over the $756,866 balance, so the rest of the $1,350,000 price is paid at closing. A second mortgage can cover part of it. $621,350.03 is due at closing. Uses and sources reconcile at $1,378,215.93 each. Not a Closing Disclosure.