Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$585,838Cash toward the purchase price.
Closing costs + prepaids$26,628Not just lender fees.
Before credits & paid funds$612,466The complete starting cash picture.
Estimated remaining funds due at closing
$612,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$585,838.40
Your down payment$585,838.40
Closing costs + prepaids$26,627.78
Total buyer cash needed$612,466.18
Remaining funds due$612,466.18
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%)$13,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,795.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,614.00
Initial HOA (3 months)$24.99
Prepaid interest, first (12 days)$1,524.98
Fees + prepaids$26,627.78
Your down payment is the seller’s equity. You take over the $759,162 balance, so the rest of the $1,345,000 price is paid at closing. A second mortgage can cover part of it. $612,466.18 is due at closing. Uses and sources reconcile at $1,371,627.78 each. Not a Closing Disclosure.