Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$569,933Cash toward the purchase price.
Closing costs + prepaids$17,769Not just lender fees.
Before credits & paid funds$587,702The complete starting cash picture.
Estimated remaining funds due at closing
$587,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$569,933.43
Your down payment$569,933.43
Closing costs + prepaids$17,768.96
Total buyer cash needed$587,702.39
Remaining funds due$587,702.39
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%)$8,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,475.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,081.25
Prepaid interest, first (15 days)$344.38
Fees + prepaids$17,768.96
Your down payment is the seller’s equity. You take over the $295,067 balance, so the rest of the $865,000 price is paid at closing. A second mortgage can cover part of it. $587,702.39 is due at closing. Uses and sources reconcile at $882,768.96 each. Not a Closing Disclosure.