Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$552,553Cash toward the purchase price.
Closing costs + prepaids$13,400Not just lender fees.
Before credits & paid funds$565,953The complete starting cash picture.
Estimated remaining funds due at closing
$565,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$552,553.30
Your down payment$552,553.30
Closing costs + prepaids$13,399.82
Total buyer cash needed$565,953.12
Remaining funds due$565,953.12
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%)$6,475.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$474.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$777.00
Prepaid interest, first (12 days)$205.08
Fees + prepaids$13,399.82
Your down payment is the seller’s equity. You take over the $94,947 balance, so the rest of the $647,500 price is paid at closing. A second mortgage can cover part of it. $565,953.12 is due at closing. Uses and sources reconcile at $660,899.82 each. Not a Closing Disclosure.