Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$538,877Cash toward the purchase price.
Closing costs + prepaids$35,228Not just lender fees.
Before credits & paid funds$574,105The complete starting cash picture.
Estimated remaining funds due at closing
$574,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$538,876.56
Your down payment$538,876.56
Closing costs + prepaids$35,228.16
Total buyer cash needed$574,104.72
Remaining funds due$574,104.72
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%)$15,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,303.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,790.75
Prepaid interest, first (29 days)$4,921.29
Fees + prepaids$35,228.16
Your down payment is the seller’s equity. You take over the $1,060,623 balance, so the rest of the $1,599,500 price is paid at closing. A second mortgage can cover part of it. $574,104.72 is due at closing. Uses and sources reconcile at $1,634,728.16 each. Not a Closing Disclosure.