Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$571,948Cash toward the purchase price.
Closing costs + prepaids$14,845Not just lender fees.
Before credits & paid funds$586,793The complete starting cash picture.
Estimated remaining funds due at closing
$586,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$571,947.70
Your down payment$571,947.70
Closing costs + prepaids$14,844.99
Total buyer cash needed$586,792.69
Remaining funds due$586,792.69
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%)$6,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$539.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,699.75
Initial HOA (3 months)$315.00
Prepaid interest, first (2 days)$23.48
Fees + prepaids$14,844.99
Your down payment is the seller’s equity. You take over the $107,952 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $586,792.69 is due at closing. Uses and sources reconcile at $694,744.99 each. Not a Closing Disclosure.