Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$608,411Cash toward the purchase price.
Closing costs + prepaids$20,302Not just lender fees.
Before credits & paid funds$628,713The complete starting cash picture.
Estimated remaining funds due at closing
$628,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$608,411.11
Your down payment$608,411.11
Closing costs + prepaids$20,302.35
Total buyer cash needed$628,713.46
Remaining funds due$628,713.46
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%)$9,955.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,935.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$132.50
Initial HOA (3 months)$60.00
Prepaid interest, first (28 days)$2,001.41
Fees + prepaids$20,302.35
Your down payment is the seller’s equity. You take over the $387,089 balance, so the rest of the $995,500 price is paid at closing. A second mortgage can cover part of it. $628,713.46 is due at closing. Uses and sources reconcile at $1,015,802.35 each. Not a Closing Disclosure.