Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$471,794Cash toward the purchase price.
Closing costs + prepaids$13,038Not just lender fees.
Before credits & paid funds$484,832The complete starting cash picture.
Estimated remaining funds due at closing
$484,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$471,793.85
Your down payment$471,793.85
Closing costs + prepaids$13,037.98
Total buyer cash needed$484,831.83
Remaining funds due$484,831.83
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$636.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$718.75
Initial HOA (3 months)$61.26
Prepaid interest, first (12 days)$163.94
Fees + prepaids$13,037.98
Your down payment is the seller’s equity. You take over the $127,206 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $484,831.83 is due at closing. Uses and sources reconcile at $612,037.98 each. Not a Closing Disclosure.