Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$512,110Cash toward the purchase price.
Closing costs + prepaids$12,629Not just lender fees.
Before credits & paid funds$524,739The complete starting cash picture.
Estimated remaining funds due at closing
$524,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$512,109.67
Your down payment$512,109.67
Closing costs + prepaids$12,628.92
Total buyer cash needed$524,738.59
Remaining funds due$524,738.59
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$364.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$702.00
Initial HOA (3 months)$105.00
Prepaid interest, first (12 days)$139.47
Fees + prepaids$12,628.92
Your down payment is the seller’s equity. You take over the $72,890 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $524,738.59 is due at closing. Uses and sources reconcile at $597,628.92 each. Not a Closing Disclosure.