Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$587,695Cash toward the purchase price.
Closing costs + prepaids$54,454Not just lender fees.
Before credits & paid funds$642,149The complete starting cash picture.
Estimated remaining funds due at closing
$642,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$587,694.69
Your down payment$587,694.69
Closing costs + prepaids$54,453.89
Total buyer cash needed$642,148.58
Remaining funds due$642,148.58
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%)$28,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$11,561.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,625.00
Prepaid interest, first (17 days)$4,049.38
Fees + prepaids$54,453.89
Your down payment is the seller’s equity. You take over the $2,312,304 balance, so the rest of the $2,899,999 price is paid at closing. A second mortgage can cover part of it. $642,148.58 is due at closing. Uses and sources reconcile at $2,954,452.89 each. Not a Closing Disclosure.