Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$504,723Cash toward the purchase price.
Closing costs + prepaids$14,315Not just lender fees.
Before credits & paid funds$519,039The complete starting cash picture.
Estimated remaining funds due at closing
$519,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$504,723.50
Your down payment$504,723.50
Closing costs + prepaids$14,315.11
Total buyer cash needed$519,038.61
Remaining funds due$519,038.61
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%)$6,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$750.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,080.75
Initial HOA (3 months)$117.00
Prepaid interest, first (31 days)$349.48
Fees + prepaids$14,315.11
Your down payment is the seller’s equity. You take over the $150,177 balance, so the rest of the $654,900 price is paid at closing. A second mortgage can cover part of it. $519,038.61 is due at closing. Uses and sources reconcile at $669,215.11 each. Not a Closing Disclosure.