Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$505,618Cash toward the purchase price.
Closing costs + prepaids$12,741Not just lender fees.
Before credits & paid funds$518,359The complete starting cash picture.
Estimated remaining funds due at closing
$518,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$505,617.61
Your down payment$505,617.61
Closing costs + prepaids$12,741.33
Total buyer cash needed$518,358.93
Remaining funds due$518,358.93
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$471.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$553.75
Prepaid interest, first (26 days)$249.16
Fees + prepaids$12,741.33
Your down payment is the seller’s equity. You take over the $94,282 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $518,358.93 is due at closing. Uses and sources reconcile at $612,641.33 each. Not a Closing Disclosure.