Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$576,028Cash toward the purchase price.
Closing costs + prepaids$14,407Not just lender fees.
Before credits & paid funds$590,435The complete starting cash picture.
Estimated remaining funds due at closing
$590,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$576,027.81
Your down payment$576,027.81
Closing costs + prepaids$14,407.08
Total buyer cash needed$590,434.89
Remaining funds due$590,434.89
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%)$6,580.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$409.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,645.00
Prepaid interest, first (26 days)$304.22
Fees + prepaids$14,407.08
Your down payment is the seller’s equity. You take over the $81,972 balance, so the rest of the $658,000 price is paid at closing. A second mortgage can cover part of it. $590,434.89 is due at closing. Uses and sources reconcile at $672,407.08 each. Not a Closing Disclosure.