Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$566,290Cash toward the purchase price.
Closing costs + prepaids$34,627Not just lender fees.
Before credits & paid funds$600,917The complete starting cash picture.
Estimated remaining funds due at closing
$600,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$566,290.42
Your down payment$566,290.42
Closing costs + prepaids$34,626.88
Total buyer cash needed$600,917.30
Remaining funds due$600,917.30
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%)$17,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,143.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$839.50
Initial HOA (3 months)$126.00
Prepaid interest, first (31 days)$3,349.83
Fees + prepaids$34,626.88
Your down payment is the seller’s equity. You take over the $1,228,710 balance, so the rest of the $1,795,000 price is paid at closing. A second mortgage can cover part of it. $600,917.30 is due at closing. Uses and sources reconcile at $1,829,626.88 each. Not a Closing Disclosure.