Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$551,019Cash toward the purchase price.
Closing costs + prepaids$16,917Not just lender fees.
Before credits & paid funds$567,935The complete starting cash picture.
Estimated remaining funds due at closing
$567,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$551,018.84
Your down payment$551,018.84
Closing costs + prepaids$16,916.62
Total buyer cash needed$567,935.46
Remaining funds due$567,935.46
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%)$7,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$869.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,812.50
Prepaid interest, first (25 days)$766.23
Fees + prepaids$16,916.62
Your down payment is the seller’s equity. You take over the $173,980 balance, so the rest of the $724,999 price is paid at closing. A second mortgage can cover part of it. $567,935.46 is due at closing. Uses and sources reconcile at $741,915.62 each. Not a Closing Disclosure.