Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$580,017Cash toward the purchase price.
Closing costs + prepaids$20,513Not just lender fees.
Before credits & paid funds$600,530The complete starting cash picture.
Estimated remaining funds due at closing
$600,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$580,017.20
Your down payment$580,017.20
Closing costs + prepaids$20,513.03
Total buyer cash needed$600,530.24
Remaining funds due$600,530.24
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%)$8,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,599.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,306.25
Initial HOA (3 months)$1,574.01
Prepaid interest, first (27 days)$816.36
Fees + prepaids$20,513.03
Your down payment is the seller’s equity. You take over the $319,883 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $600,530.24 is due at closing. Uses and sources reconcile at $920,413.03 each. Not a Closing Disclosure.