Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$576,934Cash toward the purchase price.
Closing costs + prepaids$39,908Not just lender fees.
Before credits & paid funds$616,842The complete starting cash picture.
Estimated remaining funds due at closing
$616,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$576,934.13
Your down payment$576,934.13
Closing costs + prepaids$39,907.57
Total buyer cash needed$616,841.70
Remaining funds due$616,841.70
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%)$19,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,115.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,419.25
Prepaid interest, first (22 days)$5,155.00
Fees + prepaids$39,907.57
Your down payment is the seller’s equity. You take over the $1,423,065 balance, so the rest of the $1,999,999 price is paid at closing. A second mortgage can cover part of it. $616,841.70 is due at closing. Uses and sources reconcile at $2,039,906.57 each. Not a Closing Disclosure.