Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$596,470Cash toward the purchase price.
Closing costs + prepaids$19,046Not just lender fees.
Before credits & paid funds$615,516The complete starting cash picture.
Estimated remaining funds due at closing
$615,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$596,470.24
Your down payment$596,470.24
Closing costs + prepaids$19,045.92
Total buyer cash needed$615,516.15
Remaining funds due$615,516.15
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%)$9,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,592.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$961.25
Prepaid interest, first (28 days)$1,124.02
Fees + prepaids$19,045.92
Your down payment is the seller’s equity. You take over the $318,530 balance, so the rest of the $915,000 price is paid at closing. A second mortgage can cover part of it. $615,516.15 is due at closing. Uses and sources reconcile at $934,045.92 each. Not a Closing Disclosure.