Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$559,202Cash toward the purchase price.
Closing costs + prepaids$16,744Not just lender fees.
Before credits & paid funds$575,946The complete starting cash picture.
Estimated remaining funds due at closing
$575,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$559,202.03
Your down payment$559,202.03
Closing costs + prepaids$16,744.28
Total buyer cash needed$575,946.30
Remaining funds due$575,946.30
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%)$7,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,103.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$811.75
Initial HOA (3 months)$450.00
Prepaid interest, first (20 days)$360.54
Fees + prepaids$16,744.28
Your down payment is the seller’s equity. You take over the $220,798 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $575,946.30 is due at closing. Uses and sources reconcile at $796,744.28 each. Not a Closing Disclosure.