Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$589,105Cash toward the purchase price.
Closing costs + prepaids$17,970Not just lender fees.
Before credits & paid funds$607,075The complete starting cash picture.
Estimated remaining funds due at closing
$607,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$589,105.17
Your down payment$589,105.17
Closing costs + prepaids$17,969.67
Total buyer cash needed$607,074.84
Remaining funds due$607,074.84
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%)$8,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,449.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$842.50
Prepaid interest, first (31 days)$669.70
Fees + prepaids$17,969.67
Your down payment is the seller’s equity. You take over the $289,895 balance, so the rest of the $879,000 price is paid at closing. A second mortgage can cover part of it. $607,074.84 is due at closing. Uses and sources reconcile at $896,969.67 each. Not a Closing Disclosure.