Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$559,986Cash toward the purchase price.
Closing costs + prepaids$21,838Not just lender fees.
Before credits & paid funds$581,823The complete starting cash picture.
Estimated remaining funds due at closing
$581,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$559,985.61
Your down payment$559,985.61
Closing costs + prepaids$21,837.78
Total buyer cash needed$581,823.39
Remaining funds due$581,823.39
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%)$9,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,185.07
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,492.50
Prepaid interest, first (28 days)$972.21
Fees + prepaids$21,837.78
Your down payment is the seller’s equity. You take over the $437,014 balance, so the rest of the $997,000 price is paid at closing. A second mortgage can cover part of it. $581,823.39 is due at closing. Uses and sources reconcile at $1,018,837.78 each. Not a Closing Disclosure.