Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$511,586Cash toward the purchase price.
Closing costs + prepaids$13,296Not just lender fees.
Before credits & paid funds$524,882The complete starting cash picture.
Estimated remaining funds due at closing
$524,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$511,585.88
Your down payment$511,585.88
Closing costs + prepaids$13,296.00
Total buyer cash needed$524,881.89
Remaining funds due$524,881.89
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%)$6,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$542.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$489.50
Initial HOA (3 months)$375.00
Prepaid interest, first (21 days)$221.43
Fees + prepaids$13,296.00
Your down payment is the seller’s equity. You take over the $108,414 balance, so the rest of the $620,000 price is paid at closing. A second mortgage can cover part of it. $524,881.89 is due at closing. Uses and sources reconcile at $633,296.00 each. Not a Closing Disclosure.