Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$570,576Cash toward the purchase price.
Closing costs + prepaids$33,979Not just lender fees.
Before credits & paid funds$604,556The complete starting cash picture.
Estimated remaining funds due at closing
$604,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$570,576.26
Your down payment$570,576.26
Closing costs + prepaids$33,979.26
Total buyer cash needed$604,555.51
Remaining funds due$604,555.51
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%)$14,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,642.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,747.50
Initial HOA (3 months)$1,575.00
Prepaid interest, first (18 days)$2,806.64
Fees + prepaids$33,979.26
Your down payment is the seller’s equity. You take over the $928,424 balance, so the rest of the $1,499,000 price is paid at closing. A second mortgage can cover part of it. $604,555.51 is due at closing. Uses and sources reconcile at $1,532,979.26 each. Not a Closing Disclosure.