Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$561,119Cash toward the purchase price.
Closing costs + prepaids$12,730Not just lender fees.
Before credits & paid funds$573,849The complete starting cash picture.
Estimated remaining funds due at closing
$573,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$561,118.72
Your down payment$561,118.72
Closing costs + prepaids$12,729.99
Total buyer cash needed$573,848.71
Remaining funds due$573,848.71
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%)$6,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$239.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$685.00
Prepaid interest, first (27 days)$247.58
Fees + prepaids$12,729.99
Your down payment is the seller’s equity. You take over the $47,881 balance, so the rest of the $609,000 price is paid at closing. A second mortgage can cover part of it. $573,848.71 is due at closing. Uses and sources reconcile at $621,729.99 each. Not a Closing Disclosure.