Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$566,804Cash toward the purchase price.
Closing costs + prepaids$12,804Not just lender fees.
Before credits & paid funds$579,608The complete starting cash picture.
Estimated remaining funds due at closing
$579,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$566,804.01
Your down payment$566,804.01
Closing costs + prepaids$12,804.32
Total buyer cash needed$579,608.33
Remaining funds due$579,608.33
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%)$6,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$265.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$626.00
Initial HOA (3 months)$128.01
Prepaid interest, first (27 days)$117.83
Fees + prepaids$12,804.32
Your down payment is the seller’s equity. You take over the $53,096 balance, so the rest of the $619,900 price is paid at closing. A second mortgage can cover part of it. $579,608.33 is due at closing. Uses and sources reconcile at $632,704.32 each. Not a Closing Disclosure.