Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$584,186Cash toward the purchase price.
Closing costs + prepaids$20,160Not just lender fees.
Before credits & paid funds$604,346The complete starting cash picture.
Estimated remaining funds due at closing
$604,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$584,185.66
Your down payment$584,185.66
Closing costs + prepaids$20,160.36
Total buyer cash needed$604,346.02
Remaining funds due$604,346.02
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%)$8,999.89
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,579.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,407.00
Initial HOA (3 months)$438.00
Prepaid interest, first (27 days)$1,518.45
Fees + prepaids$20,160.36
Your down payment is the seller’s equity. You take over the $315,803 balance, so the rest of the $899,989 price is paid at closing. A second mortgage can cover part of it. $604,346.02 is due at closing. Uses and sources reconcile at $920,149.36 each. Not a Closing Disclosure.