Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$584,523Cash toward the purchase price.
Closing costs + prepaids$18,033Not just lender fees.
Before credits & paid funds$602,556The complete starting cash picture.
Estimated remaining funds due at closing
$602,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$584,522.96
Your down payment$584,522.96
Closing costs + prepaids$18,032.59
Total buyer cash needed$602,555.55
Remaining funds due$602,555.55
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%)$8,499.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,327.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,124.00
Initial HOA (3 months)$237.00
Prepaid interest, first (30 days)$626.23
Fees + prepaids$18,032.59
Your down payment is the seller’s equity. You take over the $265,475 balance, so the rest of the $849,998 price is paid at closing. A second mortgage can cover part of it. $602,555.55 is due at closing. Uses and sources reconcile at $868,030.59 each. Not a Closing Disclosure.