Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$609,349Cash toward the purchase price.
Closing costs + prepaids$33,176Not just lender fees.
Before credits & paid funds$642,525The complete starting cash picture.
Estimated remaining funds due at closing
$642,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$609,348.89
Your down payment$609,348.89
Closing costs + prepaids$33,175.66
Total buyer cash needed$642,524.55
Remaining funds due$642,524.55
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%)$15,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,828.26
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,937.50
Prepaid interest, first (26 days)$2,441.91
Fees + prepaids$33,175.66
Your down payment is the seller’s equity. You take over the $965,651 balance, so the rest of the $1,575,000 price is paid at closing. A second mortgage can cover part of it. $642,524.55 is due at closing. Uses and sources reconcile at $1,608,175.66 each. Not a Closing Disclosure.