Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$515,442Cash toward the purchase price.
Closing costs + prepaids$19,257Not just lender fees.
Before credits & paid funds$534,699The complete starting cash picture.
Estimated remaining funds due at closing
$534,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$515,442.11
Your down payment$515,442.11
Closing costs + prepaids$19,256.95
Total buyer cash needed$534,699.07
Remaining funds due$534,699.07
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%)$9,248.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,047.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$670.75
Initial HOA (3 months)$150.00
Prepaid interest, first (30 days)$922.09
Fees + prepaids$19,256.95
Your down payment is the seller’s equity. You take over the $409,446 balance, so the rest of the $924,888 price is paid at closing. A second mortgage can cover part of it. $534,699.07 is due at closing. Uses and sources reconcile at $944,144.95 each. Not a Closing Disclosure.