Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$498,820Cash toward the purchase price.
Closing costs + prepaids$13,458Not just lender fees.
Before credits & paid funds$512,278The complete starting cash picture.
Estimated remaining funds due at closing
$512,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$498,819.80
Your down payment$498,819.80
Closing costs + prepaids$13,458.35
Total buyer cash needed$512,278.15
Remaining funds due$512,278.15
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$505.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,219.00
Prepaid interest, first (28 days)$265.45
Fees + prepaids$13,458.35
Your down payment is the seller’s equity. You take over the $101,180 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $512,278.15 is due at closing. Uses and sources reconcile at $613,458.35 each. Not a Closing Disclosure.