Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$568,773Cash toward the purchase price.
Closing costs + prepaids$19,840Not just lender fees.
Before credits & paid funds$588,613The complete starting cash picture.
Estimated remaining funds due at closing
$588,613No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$568,772.53
Your down payment$568,772.53
Closing costs + prepaids$19,840.07
Total buyer cash needed$588,612.60
Remaining funds due$588,612.60
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%)$9,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,151.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,198.75
Prepaid interest, first (9 days)$282.18
Fees + prepaids$19,840.07
Your down payment is the seller’s equity. You take over the $430,227 balance, so the rest of the $999,000 price is paid at closing. A second mortgage can cover part of it. $588,612.60 is due at closing. Uses and sources reconcile at $1,018,840.07 each. Not a Closing Disclosure.