Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$591,276Cash toward the purchase price.
Closing costs + prepaids$26,426Not just lender fees.
Before credits & paid funds$617,702The complete starting cash picture.
Estimated remaining funds due at closing
$617,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$591,276.30
Your down payment$591,276.30
Closing costs + prepaids$26,425.97
Total buyer cash needed$617,702.27
Remaining funds due$617,702.27
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%)$12,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,293.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,125.00
Initial HOA (3 months)$48.24
Prepaid interest, first (23 days)$1,241.11
Fees + prepaids$26,425.97
Your down payment is the seller’s equity. You take over the $658,724 balance, so the rest of the $1,250,000 price is paid at closing. A second mortgage can cover part of it. $617,702.27 is due at closing. Uses and sources reconcile at $1,276,425.97 each. Not a Closing Disclosure.