Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$519,756Cash toward the purchase price.
Closing costs + prepaids$41,543Not just lender fees.
Before credits & paid funds$561,299The complete starting cash picture.
Estimated remaining funds due at closing
$561,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$519,756.49
Your down payment$519,756.49
Closing costs + prepaids$41,542.66
Total buyer cash needed$561,299.15
Remaining funds due$561,299.15
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%)$19,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$7,021.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$951.25
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$7,752.19
Fees + prepaids$41,542.66
Your down payment is the seller’s equity. You take over the $1,404,244 balance, so the rest of the $1,924,000 price is paid at closing. A second mortgage can cover part of it. $561,299.15 is due at closing. Uses and sources reconcile at $1,965,542.66 each. Not a Closing Disclosure.