Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$495,116Cash toward the purchase price.
Closing costs + prepaids$13,283Not just lender fees.
Before credits & paid funds$508,399The complete starting cash picture.
Estimated remaining funds due at closing
$508,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$495,115.96
Your down payment$495,115.96
Closing costs + prepaids$13,283.12
Total buyer cash needed$508,399.08
Remaining funds due$508,399.08
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$524.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$874.50
Initial HOA (3 months)$30.00
Prepaid interest, first (28 days)$386.20
Fees + prepaids$13,283.12
Your down payment is the seller’s equity. You take over the $104,884 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $508,399.08 is due at closing. Uses and sources reconcile at $613,283.12 each. Not a Closing Disclosure.