Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$562,624Cash toward the purchase price.
Closing costs + prepaids$18,439Not just lender fees.
Before credits & paid funds$581,063The complete starting cash picture.
Estimated remaining funds due at closing
$581,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$562,623.73
Your down payment$562,623.73
Closing costs + prepaids$18,438.80
Total buyer cash needed$581,062.53
Remaining funds due$581,062.53
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%)$1,811.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$201.75
Prepaid interest, first (31 days)$957.17
Fees + prepaids$18,438.80
Your down payment is the seller’s equity. You take over the $362,376 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $581,062.53 is due at closing. Uses and sources reconcile at $943,438.80 each. Not a Closing Disclosure.