Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$497,939Cash toward the purchase price.
Closing costs + prepaids$14,342Not just lender fees.
Before credits & paid funds$512,281The complete starting cash picture.
Estimated remaining funds due at closing
$512,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$497,939.25
Your down payment$497,939.25
Closing costs + prepaids$14,342.04
Total buyer cash needed$512,281.29
Remaining funds due$512,281.29
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%)$5,860.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$440.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,465.00
Initial HOA (3 months)$900.00
Prepaid interest, first (28 days)$208.74
Fees + prepaids$14,342.04
Your down payment is the seller’s equity. You take over the $88,061 balance, so the rest of the $586,000 price is paid at closing. A second mortgage can cover part of it. $512,281.29 is due at closing. Uses and sources reconcile at $600,342.04 each. Not a Closing Disclosure.