Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$529,218Cash toward the purchase price.
Closing costs + prepaids$13,742Not just lender fees.
Before credits & paid funds$542,960The complete starting cash picture.
Estimated remaining funds due at closing
$542,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$529,217.76
Your down payment$529,217.76
Closing costs + prepaids$13,741.84
Total buyer cash needed$542,959.60
Remaining funds due$542,959.60
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$603.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$973.75
Initial HOA (3 months)$12.99
Prepaid interest, first (21 days)$184.69
Fees + prepaids$13,741.84
Your down payment is the seller’s equity. You take over the $120,682 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $542,959.60 is due at closing. Uses and sources reconcile at $663,641.84 each. Not a Closing Disclosure.