Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$518,697Cash toward the purchase price.
Closing costs + prepaids$13,291Not just lender fees.
Before credits & paid funds$531,988The complete starting cash picture.
Estimated remaining funds due at closing
$531,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$518,697.16
Your down payment$518,697.16
Closing costs + prepaids$13,291.18
Total buyer cash needed$531,988.33
Remaining funds due$531,988.33
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$531.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$618.25
Initial HOA (3 months)$129.99
Prepaid interest, first (31 days)$293.42
Fees + prepaids$13,291.18
Your down payment is the seller’s equity. You take over the $106,303 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $531,988.33 is due at closing. Uses and sources reconcile at $638,291.18 each. Not a Closing Disclosure.