Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$558,559Cash toward the purchase price.
Closing costs + prepaids$12,534Not just lender fees.
Before credits & paid funds$571,092The complete starting cash picture.
Estimated remaining funds due at closing
$571,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$558,558.69
Your down payment$558,558.69
Closing costs + prepaids$12,533.77
Total buyer cash needed$571,092.46
Remaining funds due$571,092.46
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$257.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$551.50
Initial HOA (3 months)$146.01
Prepaid interest, first (1 days)$11.05
Fees + prepaids$12,533.77
Your down payment is the seller’s equity. You take over the $51,441 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $571,092.46 is due at closing. Uses and sources reconcile at $622,533.77 each. Not a Closing Disclosure.