Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$583,096Cash toward the purchase price.
Closing costs + prepaids$19,700Not just lender fees.
Before credits & paid funds$602,795The complete starting cash picture.
Estimated remaining funds due at closing
$602,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$583,095.66
Your down payment$583,095.66
Closing costs + prepaids$19,699.55
Total buyer cash needed$602,795.21
Remaining funds due$602,795.21
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%)$8,988.99
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 (19 days)$1,068.54
Fees + prepaids$19,699.55
Your down payment is the seller’s equity. You take over the $315,803 balance, so the rest of the $898,899 price is paid at closing. A second mortgage can cover part of it. $602,795.21 is due at closing. Uses and sources reconcile at $918,598.55 each. Not a Closing Disclosure.