Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$529,315Cash toward the purchase price.
Closing costs + prepaids$14,494Not just lender fees.
Before credits & paid funds$543,809The complete starting cash picture.
Estimated remaining funds due at closing
$543,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$529,314.82
Your down payment$529,314.82
Closing costs + prepaids$14,493.99
Total buyer cash needed$543,808.80
Remaining funds due$543,808.80
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$648.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,647.50
Prepaid interest, first (18 days)$140.06
Fees + prepaids$14,493.99
Your down payment is the seller’s equity. You take over the $129,685 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $543,808.80 is due at closing. Uses and sources reconcile at $673,493.99 each. Not a Closing Disclosure.