Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$546,696Cash toward the purchase price.
Closing costs + prepaids$21,668Not just lender fees.
Before credits & paid funds$568,364The complete starting cash picture.
Estimated remaining funds due at closing
$568,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$546,695.90
Your down payment$546,695.90
Closing costs + prepaids$21,668.44
Total buyer cash needed$568,364.34
Remaining funds due$568,364.34
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%)$9,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,216.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,475.00
Prepaid interest, first (26 days)$858.92
Fees + prepaids$21,668.44
Your down payment is the seller’s equity. You take over the $443,304 balance, so the rest of the $990,000 price is paid at closing. A second mortgage can cover part of it. $568,364.34 is due at closing. Uses and sources reconcile at $1,011,668.44 each. Not a Closing Disclosure.