Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$580,458Cash toward the purchase price.
Closing costs + prepaids$19,624Not just lender fees.
Before credits & paid funds$600,082The complete starting cash picture.
Estimated remaining funds due at closing
$600,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$580,457.91
Your down payment$580,457.91
Closing costs + prepaids$19,624.48
Total buyer cash needed$600,082.39
Remaining funds due$600,082.39
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%)$8,985.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,590.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,305.50
Initial HOA (3 months)$710.01
Prepaid interest, first (31 days)$815.76
Fees + prepaids$19,624.48
Your down payment is the seller’s equity. You take over the $318,042 balance, so the rest of the $898,500 price is paid at closing. A second mortgage can cover part of it. $600,082.39 is due at closing. Uses and sources reconcile at $918,124.48 each. Not a Closing Disclosure.