Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$605,809Cash toward the purchase price.
Closing costs + prepaids$18,378Not just lender fees.
Before credits & paid funds$624,187The complete starting cash picture.
Estimated remaining funds due at closing
$624,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$605,808.53
Your down payment$605,808.53
Closing costs + prepaids$18,378.49
Total buyer cash needed$624,187.02
Remaining funds due$624,187.02
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,595.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$501.25
Prepaid interest, first (31 days)$813.28
Fees + prepaids$18,378.49
Your down payment is the seller’s equity. You take over the $319,191 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $624,187.02 is due at closing. Uses and sources reconcile at $943,378.49 each. Not a Closing Disclosure.