Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$597,468Cash toward the purchase price.
Closing costs + prepaids$20,346Not just lender fees.
Before credits & paid funds$617,814The complete starting cash picture.
Estimated remaining funds due at closing
$617,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$597,468.41
Your down payment$597,468.41
Closing costs + prepaids$20,345.94
Total buyer cash needed$617,814.35
Remaining funds due$617,814.35
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%)$9,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,010.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$966.25
Prepaid interest, first (30 days)$1,156.53
Fees + prepaids$20,345.94
Your down payment is the seller’s equity. You take over the $402,032 balance, so the rest of the $999,500 price is paid at closing. A second mortgage can cover part of it. $617,814.35 is due at closing. Uses and sources reconcile at $1,019,845.94 each. Not a Closing Disclosure.