Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$600,422Cash toward the purchase price.
Closing costs + prepaids$26,559Not just lender fees.
Before credits & paid funds$626,981The complete starting cash picture.
Estimated remaining funds due at closing
$626,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$600,422.41
Your down payment$600,422.41
Closing costs + prepaids$26,558.84
Total buyer cash needed$626,981.25
Remaining funds due$626,981.25
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%)$12,488.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,242.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,122.25
Prepaid interest, first (28 days)$1,487.38
Fees + prepaids$26,558.84
Your down payment is the seller’s equity. You take over the $648,466 balance, so the rest of the $1,248,888 price is paid at closing. A second mortgage can cover part of it. $626,981.25 is due at closing. Uses and sources reconcile at $1,275,446.84 each. Not a Closing Disclosure.