Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$484,124Cash toward the purchase price.
Closing costs + prepaids$16,485Not just lender fees.
Before credits & paid funds$500,609The complete starting cash picture.
Estimated remaining funds due at closing
$500,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$484,123.90
Your down payment$484,123.90
Closing costs + prepaids$16,485.09
Total buyer cash needed$500,608.99
Remaining funds due$500,608.99
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%)$6,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,004.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,712.50
Initial HOA (3 months)$885.00
Prepaid interest, first (26 days)$565.20
Fees + prepaids$16,485.09
Your down payment is the seller’s equity. You take over the $200,876 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $500,608.99 is due at closing. Uses and sources reconcile at $701,485.09 each. Not a Closing Disclosure.