Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$556,325Cash toward the purchase price.
Closing costs + prepaids$11,757Not just lender fees.
Before credits & paid funds$568,082The complete starting cash picture.
Estimated remaining funds due at closing
$568,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$556,324.82
Your down payment$556,324.82
Closing costs + prepaids$11,757.09
Total buyer cash needed$568,081.91
Remaining funds due$568,081.91
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$213.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$13.74
Prepaid interest, first (18 days)$71.97
Fees + prepaids$11,757.09
Your down payment is the seller’s equity. You take over the $42,675 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $568,081.91 is due at closing. Uses and sources reconcile at $610,757.09 each. Not a Closing Disclosure.