Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$559,572Cash toward the purchase price.
Closing costs + prepaids$12,853Not just lender fees.
Before credits & paid funds$572,425The complete starting cash picture.
Estimated remaining funds due at closing
$572,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$559,571.60
Your down payment$559,571.60
Closing costs + prepaids$12,853.44
Total buyer cash needed$572,425.04
Remaining funds due$572,425.04
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$252.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$551.50
Initial HOA (3 months)$146.01
Prepaid interest, first (31 days)$335.78
Fees + prepaids$12,853.44
Your down payment is the seller’s equity. You take over the $50,428 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $572,425.04 is due at closing. Uses and sources reconcile at $622,853.44 each. Not a Closing Disclosure.