Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$592,002Cash toward the purchase price.
Closing costs + prepaids$21,326Not just lender fees.
Before credits & paid funds$613,328The complete starting cash picture.
Estimated remaining funds due at closing
$613,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$592,002.37
Your down payment$592,002.37
Closing costs + prepaids$21,326.10
Total buyer cash needed$613,328.47
Remaining funds due$613,328.47
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%)$9,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,914.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,203.75
Initial HOA (3 months)$125.01
Prepaid interest, first (31 days)$2,114.36
Fees + prepaids$21,326.10
Your down payment is the seller’s equity. You take over the $382,998 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $613,328.47 is due at closing. Uses and sources reconcile at $996,326.10 each. Not a Closing Disclosure.