Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$544,657Cash toward the purchase price.
Closing costs + prepaids$17,068Not just lender fees.
Before credits & paid funds$561,725The complete starting cash picture.
Estimated remaining funds due at closing
$561,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$544,657.37
Your down payment$544,657.37
Closing costs + prepaids$17,067.56
Total buyer cash needed$561,724.93
Remaining funds due$561,724.93
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%)$7,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,201.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,026.25
Prepaid interest, first (27 days)$771.60
Fees + prepaids$17,067.56
Your down payment is the seller’s equity. You take over the $240,343 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $561,724.93 is due at closing. Uses and sources reconcile at $802,067.56 each. Not a Closing Disclosure.