Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$565,972Cash toward the purchase price.
Closing costs + prepaids$17,323Not just lender fees.
Before credits & paid funds$583,295The complete starting cash picture.
Estimated remaining funds due at closing
$583,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$565,972.39
Your down payment$565,972.39
Closing costs + prepaids$17,322.68
Total buyer cash needed$583,295.07
Remaining funds due$583,295.07
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,295.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$924.25
Prepaid interest, first (24 days)$635.29
Fees + prepaids$17,322.68
Your down payment is the seller’s equity. You take over the $259,028 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $583,295.07 is due at closing. Uses and sources reconcile at $842,322.68 each. Not a Closing Disclosure.