Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$595,550Cash toward the purchase price.
Closing costs + prepaids$19,835Not just lender fees.
Before credits & paid funds$615,386The complete starting cash picture.
Estimated remaining funds due at closing
$615,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$595,550.41
Your down payment$595,550.41
Closing costs + prepaids$19,835.18
Total buyer cash needed$615,385.59
Remaining funds due$615,385.59
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%)$9,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,017.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,198.75
Prepaid interest, first (12 days)$411.19
Fees + prepaids$19,835.18
Your down payment is the seller’s equity. You take over the $403,450 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $615,385.59 is due at closing. Uses and sources reconcile at $1,018,835.18 each. Not a Closing Disclosure.