Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$595,909Cash toward the purchase price.
Closing costs + prepaids$16,111Not just lender fees.
Before credits & paid funds$612,021The complete starting cash picture.
Estimated remaining funds due at closing
$612,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$595,909.41
Your down payment$595,909.41
Closing costs + prepaids$16,111.30
Total buyer cash needed$612,020.71
Remaining funds due$612,020.71
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%)$7,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$890.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$811.25
Initial HOA (3 months)$87.51
Prepaid interest, first (26 days)$364.09
Fees + prepaids$16,111.30
Your down payment is the seller’s equity. You take over the $178,091 balance, so the rest of the $774,000 price is paid at closing. A second mortgage can cover part of it. $612,020.71 is due at closing. Uses and sources reconcile at $790,111.30 each. Not a Closing Disclosure.