Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$512,242Cash toward the purchase price.
Closing costs + prepaids$12,678Not just lender fees.
Before credits & paid funds$524,920The complete starting cash picture.
Estimated remaining funds due at closing
$524,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$512,242.28
Your down payment$512,242.28
Closing costs + prepaids$12,678.21
Total buyer cash needed$524,920.49
Remaining funds due$524,920.49
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$563.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$357.50
Prepaid interest, first (2 days)$38.92
Fees + prepaids$12,678.21
Your down payment is the seller’s equity. You take over the $112,758 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $524,920.49 is due at closing. Uses and sources reconcile at $637,678.21 each. Not a Closing Disclosure.