Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$534,242Cash toward the purchase price.
Closing costs + prepaids$12,205Not just lender fees.
Before credits & paid funds$546,446The complete starting cash picture.
Estimated remaining funds due at closing
$546,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$534,241.72
Your down payment$534,241.72
Closing costs + prepaids$12,204.51
Total buyer cash needed$546,446.23
Remaining funds due$546,446.23
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%)$5,815.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$236.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$570.25
Prepaid interest, first (24 days)$114.97
Fees + prepaids$12,204.51
Your down payment is the seller’s equity. You take over the $47,258 balance, so the rest of the $581,500 price is paid at closing. A second mortgage can cover part of it. $546,446.23 is due at closing. Uses and sources reconcile at $593,704.51 each. Not a Closing Disclosure.